Switch Mortgage

Switch mortgage to reduce your mortgage payments saving thousands and cut years from your mortgage term at the same time. We make switching easy.

Changing mortgage provider

Mortgage holders who switch mortgage are saving thousands in interest and paying off their home loan sooner with our help. Switching is not as complicated as Irish home owners have been led to believe and we make it easy.

Single Point of Contact

Arrange a Callback

Fill out our contact form below and our mortgage broker will call you at a time that suits you.
Mortgage Approval

Switch Mortgage Application

You'll need pay slips from your employer and bank statements from the last 6 months .
Switch Mortgage

Savings Approved

Once your new lender approves your home loan you see the savings in your next mortgage payment.

Switch mortgage savings calculator

See how much you could be saving on your mortgage repayments with a quick quote below using our online mortgage calculator. Your seconds away from reducing your payments.

Mortgage Savings Result

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Best mortgage switch deals

Irish home owners don't switch mortgage lenders as they think its complicated and expensive. Not true ! A mortgage broker makes changing simple and stress free.

Independent Advice
for Switch Mortgage Applicants

Switching mortgage is not as complicated as Irish people think. Too many mortgage holders are paying significantly more than they need to. A quick call to us will save you thousands in repayments.

Top Mortgages is one of Ireland’s leading mortgage brokers and we are here to help get you get started and guide you through the process with our professional experience and services.

Best Interest Rates
when changing mortgage lenders

In order to find the best mortgage rates for you, we check all mortgage lenders for switch deals. Loan terms are available for up to 35 years, with a range of fixed and variable mortgage rates.

We find and compare the best deals on these products to save you time and money. So would you rather a mortgage from just any old bank or one from a top mortgage broker? Make the top choice with Top Mortgages.

Jargon buster for mortgage switchers

We explain the most common jargon terms used when talking about changing mortgages in plain simple to understand language.

AIP is short for Approval in Principle.

Its a non legally binding opinion from our first conversation about your finances to give you an indication of how much you might be able to borrow for a property.

The normal maximum borrowing level is 3.5 times your annual gross income based on a single income application.

LTV is short for Loan to Value. This is the amount of money you can borrow based on the asking price of the property.

A first time buyer can borrow up to 90% of the value of a property and a 2nd time buyer can borrow up to 80% of the value of a property.

The standard variable rate is the main mortgage rate charged by your lender. It is the long term rate of interest that your mortgage will switch to once your introductory fixed rate period has ended.

A variable rate mortgage means your monthly repayments can go up aswell as down based on European interest rates and your mortgage lender.

Switch Mortgage Guides

Stay informed with our switch mortgage articles on how to select the best mortgage deals for you and your financial needs.