Remortgage in Ireland.

Remortgaging in Ireland allows homeowners to renegotiate their existing mortgage terms or switch to a new lender, often with the aim of securing a lower interest rate, reducing monthly payments, releasing equity for home improvements or other financial needs, or consolidating debt.

Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

What is remortgage and who is it for?

Remortgaging refers to the process of replacing an existing mortgage on a property with a new one, either with the same lender or a different one. This financial maneuver is typically pursued by homeowners who seek to renegotiate their mortgage terms for various reasons. Remortgaging can be beneficial for individuals looking to secure a lower interest rate, reduce their monthly mortgage payments, release equity from their property for home improvements or other purposes, consolidate debts into one manageable payment, or switch to a more flexible mortgage product that better suits their changing financial needs. Additionally, some homeowners may remortgage to take advantage of improved credit scores or increased property values, allowing them to access better mortgage deals and potentially save money over the long term. Ultimately, remortgaging offers homeowners an opportunity to optimize their mortgage arrangements and achieve greater financial flexibility and stability.

How do I get started my remortgage process?

Securing a remortgage involves several steps to ensure a smooth transition. First, assess your financial situation and determine how much you can afford to borrow based on your income, expenses, and savings. Next, research and compare mortgage options from different lenders to find the best terms and rates for your needs. Once you’ve chosen a mortgage, complete the application process, providing essential documents such as proof of income, employment history, and identification. Your lender will evaluate your application and conduct a credit check to determine your eligibility for the mortgage. Upon approval, you’ll work with solicitors and conveyancers to finalize the sale and transfer ownership of the property. Throughout the process, communicate regularly with your lender and seek guidance from professionals to navigate any challenges and ensure a successful home move. Getting a quote is the first step, as one of our expert award-winning advisors will contact you and guide you all the way. 


For your first mortgage, you will require a minimum of a 10% deposit. You may be eligible for the HTB incentive of up to €30,000.


You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.


Once your lender has approved your loan, you get an AIP (Approval In Principle) and you can make an offer on your new home.

Start your journey today. Take the first step to achieve all your financial goals.

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How is the process to apply for a remortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Want to get started with your first mortgage? Need more advice?

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I had the pleasure of working with Courtney for my mortgage protection cover, and I couldn't be happier with the experience. She was incredibly professional, helpful, and super efficient in handling everything. Highly recommend Lowquotes to anyone in need of mortgage protection cover.
I got recommended by one of my friend for the mortgage protection. It was a great and smooth experience to deal with. I worked with advisor Richie during the process he explained everything in detail and also what i would be expecting and helped me to choose the right product based on our need. I would be always happy to work with them for all the future needs. Thanks again for the great work and keep up your great work Richie.
A huge thanks to Seamus Phelan for being super friendly and incredibly helpful throughout the process of getting mortgage protection insurance. He patiently guided me through everything and made sure I understood all the options before making any decisions. If you need life or mortgage protection insurance, I highly recommend reaching out to Seamus.
We highly recommend Bernadine Day of Mortgage Assist. Over the past two years, she has been incredibly patient and dedicated, guiding us through the mortgage process with expertise and care. Her professionalism and genuine concern for my financial well-being made a complex journey manageable. If you need a mortgage adviser who will go above and beyond, Mortgage Assist is the one to choose & Bernadine will get you sorted.
I dealt with Richard when trying to source mortgage protection, he was very patient and lovely to deal with over the phone very helpful. Highly recommend
Cormac Logue was very helpful with selecting the right mortgage provider for us
We dealt with both Amanda and Bernadine through the mortgage process - both were very professional and explained each step along the way. They both welcomed any questions and were very helpful, offering advice on both mortgage & insurance policies.Would highly recommend - no issues at all!
Couldn't ask for more helpful stuff has I had the pleasure of working with Bernadine to get my mortgage over the line I received excellent service with response to emails and calls and a pleasure to deal with thanks
I spoke with Colin Bailey who was extremely pleasant and helpful from start to finish on getting my mortgage protection policy renewed. Colin was a gentleman and gave excellent advise throughout the process. Would highly recommend. 5 stars.
We spoke with Richard about our mortgage protection. He was very helpful and made the process clear & simple. Very happy with the service.
Myself and my partner just spoke to Richard Westman for mortgage protection he was absolutely brilliant to deal with and talked us through the process so effortlessly! It was so quick and easy
Low Quotes were a great help and partner on my journey of getting a mortgage in Ireland. As a non-Irish citizen, Bernadine was great in answering questions and talking me through the process here in Ireland. Even answering questions and offering advice in general on purchasing a property in Ireland. I highly recommend them to help you on your mortgage journey.
We recently dealt with Richard Westman for our mortgage insurance.LowQuuotes should be honored to have such a fantastic staff member. He made the whole process so easy. He was so professional and friendly a delight to deal with. I would recommend anyone to deal with Richard or LowQuotes 10 out of 10.

Your Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI is your Loan to Income rate, generally you are allowed to borrow 3.5x your annual income before tax. Some exceptions may apply.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

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