Switching Mortgage
Your life and goals change.
Your mortgage can too.
When switching mortgages, don’t miss out on savings or discovering how your home can help you reach financial goals.
Preparing to remortgage?
Get free advice from one of Ireland's most trusted advisors.
As one of Ireland’s switching mortgage experts, we have helped 1000’s of customers remortgage over the last 34 years.
Our goal is to provide the best options – with access to all top lenders – so you can make better, informed decisions about one of the most important financial decisions you’ll ever make.
If you’re thinking of switching mortgages, our award-winning mortgage advisors can help with impartial mortgage advice.
We’ll help you lock in the best possible deal, select a lender, get mortgage approval, and oversee your application – we aim to save you €000’s.
Our advice is always free – so there’s no better place to start your mortgage switching journey, than right here.
Access all of Ireland's top lenders
Don't wonder what's best. Ask us!
We've been helping clients find their perfect home loan for 34 years.
100% free, always
The lender covers our fee – our advice is always free so you can get the best, most suitable deal.
Access all top lenders
For 34 years, we’ve established invaluable relationships with all of Ireland's lenders.
Join us in the 3% Club*
IMC is one of 3% of mortgage brokers in Ireland with direct access to all 8 top lenders.
One team for your journey
You’ll have a dedicated team of experts you can trust – people who know your application inside out.
*Per the Central Bank of Ireland register as of April 2024.
Remortgaging
Your Home in Ireland
What does remortgaging or
switching your mortgage mean?
Remortgaging is the process of replacing or switching one mortgage loan with another – usually this means paying off one mortgage with the proceeds from a new lender using the same property as security.
This can be done for a number of reasons:
- get a better interest rate
- reduce your monthly repayment
- gain more flexibility
- consolidate debt
What does it mean to remortgage?
A remortgage is when you change mortgage lenders. This could include changing the interest rate, the term of the mortgage, or the type of mortgage. Often when people think of remortgaging they are looking to reduce the monthly payment that they make – this is a perfectly reasonable outcome, but is not the only one! It is also important to understand that remortgaging is the same as switching mortgage.We are living in extraordinary times – there are issues we cannot control, but there are others that we most definitely can.
Can I remortgage?
If you own a home with a mortgage, you can switch mortgages if:the original loan will have been based on a Loan to Value at that time – it is very likely that this will have changed – your house may be worth more, and you may owe less – so for a lender you have become a better risk and qualify to apply a different rate.your circumstances may have changed – you may have been in the same job for longer, got a promotion, a pay raise, share options, or bonuses. you may be thinking of staying where you are for longer, investing in extending your property rather than moving, starting, or adding to a family – this may mean you could extend the term of your mortgage, spreading the cost into the future.
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