Mortgage Re-Finance & Switcher Legal Pack

Switching your mortgage to a new lender — or refinancing your existing mortgage — requires a solicitor to handle the legal aspects of the transaction. Our fixed-fee mortgage switcher pack covers everything from loan documentation to Land Registry registration.

What Is Included?

Our mortgage re-finance and switcher pack includes: reviewing and executing the new mortgage loan offer documents, dealing with the existing lender to obtain a redemption figure and redemption letter, discharging the existing mortgage at the Land Registry, registering the new mortgage charge, and issuing title documents to the new lender.

How Long Does It Take?

A straightforward mortgage switch typically takes 4–8 weeks from receipt of the new loan offer to completion. Delays usually arise from title issues or slow responses from the existing lender’s legal team.

Do I Need a Solicitor to Switch Mortgages?

Yes — switching mortgages involves discharging the existing charge from the Land Registry and registering a new charge in favour of the new lender. This must be done by a solicitor. Your new lender will require confirmation of the legal work before releasing funds.

Frequently Asked Questions

How much does it cost to switch mortgage in Ireland?

Our fixed-fee mortgage switcher legal pack covers all the legal work involved in switching your mortgage. Many lenders also offer a legal fee contribution — check with your new lender if this applies to your switch.

How long does mortgage switching take in Ireland?

A straightforward mortgage switch typically takes 4–8 weeks from receipt of the new loan offer to completion. The main variable is how quickly your existing lender provides redemption documentation.

Can I switch mortgage without a solicitor in Ireland?

No — mortgage switching requires a solicitor to discharge the existing charge from the Land Registry and register the new lender’s charge. This is a legal requirement and cannot be done without a solicitor.