Mortgage switch
Partnered with all major mortgage lenders in Ireland, our expert advice and support can save you thousands on your mortgage.
Open the door and start your journey
Let’s talk about your mortgage switch
Have questions about the switching process or potential savings? We're here to help. Connect with us however suits you best - whether that's a video call from your living room or a face-to-face meeting at our Dublin city centre office. Our mortgage specialists are available Monday to Friday, 8 a.m. to 6 p.m., and Saturday mornings from 8 a.m. to 12 p.m., fitting perfectly around your schedule.
Let's prepare your Mortgage Switch
You'll receive a personalised mortgage switch checklist based on your specific situation. From digital ID verification to secure bank statement uploads, everything happens smoothly in one place. Your dedicated mortgage advisor stays connected with you throughout, ensuring your application is ready for our panel of lenders and their extensive range of mortgage products.
Let's assess your options
We'll create a detailed research report comparing available mortgage rates and products across the market. Using advanced calculators and our deep understanding of lender criteria, we ensure your switching application stands the strongest chance of approval. Our quality control process means nothing is left to chance, and you'll clearly see your potential savings before making any decisions.
Let's submit your Switch
Our established relationships with dedicated broker support teams within each bank mean we can fast-track your application and address any questions quickly. While your application progresses, we'll provide access to our comprehensive switcher toolkit, packed with money-saving tips and exclusive discounts for solicitors and surveyors. From switch approval to completion, we're with you every step of the way.
Let's complete your Mortgage Switch and save
But our relationship doesn't end there. As a valued Lenny Financial client, you'll benefit from our unique mortgage switch guarantee - we'll help you switch your mortgage to a better rate whenever it makes sense, completely free of charge, for the entire life of your mortgage. Consider us your long-term partners in smart homeownership.
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Mortgage Switch
Market Conditions:
- More competitive rates available
- Expiration of current fixed rate period
Significant market rate changes
- Personal Circumstances:
Improved financial position
- Increased property value
- Current rate competitiveness evaluation
Direct Costs:
Legal fees: €1,200-€2,000
- Property valuation: Approximately €185
- Potential early breakage fees (fixed rates)
Additional Considerations:
- Mortgage protection policy adjustments
- Available lender switching incentives
- Cost-benefit analysis requirement
Process Factors:
- Breakage fee calculations varying by lender
- Savings versus costs analysis requirement
- Potential lender breakage fee coverage
- Market rate differential impact
Property Valuation and Survey Requirements.
Process Elements:
- Lender-approved valuer requirement
- Basic property assessment completion
- Market value confirmation
- Standard fee of approximately €185