Lower Rates, Better Terms,
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Seamless Switch Re-Mortgaging - Canning & Co. Solicitor Re-Mortgaging - Canning & Co. Solicitors

Re-Mortgaging

Switching your mortgage can unlock better rates, lower repayments, and greater financial flexibility. At Canning & Co. Solicitors, we simplify the legal complexities of mortgage switching in Ireland, ensuring a seamless transition from start to finish. Our dedicated team handles every legal detail, so you can focus on enjoying the benefits of your new mortgage.

Why Switch Your Mortgage?

  • Save Money: Secure lower interest rates or improved terms.
  • Reduce Monthly Payments: Free up cash for other priorities.
  • Access Equity: Release funds for home improvements or investments.
  • Flexible Options: Switch from variable to fixed rates, or explore green mortgages.

The Mortgage Switching Process

  1. Initial Consultation – Discuss your goals and review your current mortgage terms. We’ll outline the legal process and costs.
  1. Research & Compare Lenders – Identify competitive offers. We’ll advise on legal implications of new mortgage products.
  1. Mortgage Approval in Principle – Secure preliminary approval from your chosen lender.
  1. Property Valuation – Your lender may require a valuation to confirm the property’s market value.
  1. Legal Due Diligence – We conduct Land Registry checks, verify ownership, and resolve title issues.
  1. Review New Mortgage Contract – We will scrutinise the terms, conditions, and obligations to protect your interests.
  1. Sign Loan Offer & Legal Documents – Finalise paperwork with your lender and sign the legal agreement.
  1. Discharge Existing Mortgage – We will coordinate with your previous lender to settle and close the account.
  1. Register New Mortgage – We will update the Property Registration Authority (PRA) to reflect the new lender and we will then forward all title documentation to your new lender.

Why Choose Canning & Co. Solicitors?

  • Expertise in Irish Mortgage Law: Navigate regulations with confidence.
  • Streamlined Process: Minimise delays with efficient handling of legal checks.
  • Transparent Fees: Fixed pricing for mortgage switches, no hidden costs.
  • Proactive Communication: Regular updates via phone, email, or our client portal.
  • Local Knowledge: Familiarity with Dublin and nationwide lender practices.

Frequently Asked Questions (FAQs)

Typically 6–8 weeks, depending on lender speed and title complexity.

Check your existing contract for exit fees. We’ll review this during Step 

Yes – legal checks and Land Registry updates are required by law.

It depends on lender criteria. We’ll advise on your options.

Legal fees, valuation, and Land Registry fees. We provide a full breakdown upfront.

Case Study: Unlocking Savings

Example:
“A Dublin homeowner switched their variable-rate mortgage to a fixed-term product with Canning and Co. Solicitors’ help. We resolved a boundary query flagged in title checks, secured a 1.5% rate reduction, and saved the client €300 monthly. The entire process took just 7 weeks.”

Contact Our Mortgage Switching Team

Ready to explore better mortgage terms? Canning & Co. Solicitors offers:

  • Free Initial Consultation: Assess your savings potential with no obligation.
  • Urgent Support: Expedited services for time-sensitive deals.
  • Nationwide Service: Based in Dublin, assisting clients across Ireland.

Need expert advice on re-mortgaging?
Contact us today

Need expert advice on re-mortgaging?
Contact us today