Switching Mortgage

Your first steps to saving thousands starts here.
Calculate your monthly repayments at our lowest rate.

Mortgage Repayment Calculator

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Monthly Mortgage Payment with our lowest rate of 2.25%

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Switching Mortgage

It doesn’t matter who your current provider is. We will always offer expert advice to make the process of switching Mortgage seamless and straight forward.

Switch and save, we’re always only a call away.

Consultation

Book a consultation above and our Mortgage advisor will call you back at a specified time.

Your Application

You will require 6 months of pay-slips and bank statements.

Save Money

Once your lender has approved your loan, you next payment will be reduced.

How to get started

If you are looking to switch your Mortgage provider, We’ve made it easier than ever to get started. All you have to do is fill in your details, our mortgage team will contact you. You can also book a time and date that suits you, or call us directly on 1800-828-800.

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.

Why Choose Us?

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We are removing face-to-face interactions to keep in line with social distancing guidelines.

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.