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.

Young couple reviewing home mortgage loan options in ireland.
mortgage agreement for new home in ireland

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

Bank of Ireland lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
PTSB Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
Avant Money lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
Finance Ireland lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
SPRY Finance Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
AIB Mortgages for Irish Mortgage Corporation – Ireland's best mortgage broker
ICS Mortgages lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
MOCO Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker

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.

We're blushing...

We are honoured to make the home buying journey simple and hassle-free for so many.

Google rating score: 4.9 of 5, based on 765+ reviews

Great experience, No hassle. Would highly recommend to family and friends.

5/5
Dom Glasheen

We were really happy with Irish Mortgage Corporation. Very knowledgeable and efficient team there. Thanks for everything!

5/5
Jessica Hayden

Very helpful! Always available and offered great advice on everything.

5/5
Declan Delaney

With interest rates changing, it’s important to move fast.

Let’s get this sorted for you.

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