Switch to a new mortgage product
If your rate is up for renewal, have a look at how we could help
Lending criteria, terms and conditions apply. Over 18s only and Republic of Ireland residents only. Mortgaged property must be in Republic of Ireland. Security, buildings insurance and life cover required.
Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
If you choose a fixed rate mortgage:
Warning: You may have to pay charges if you pay off a fixed rate loan early.
If you choose a variable interest rate loan:
Variable rate loans: The payment rates on this housing loan may be adjusted by the lender from time to time.
On this page
Ready to switch your mortgage to a different product, or just want a look at what we could offer you?
Get started by logging in to "Manage my Mortgage" and get a personalised quote in only a few minutes.
To log in, all you'll need is:
Your mortgage account number
Date of Birth
Please note our online service is unavailable from 5am to 7am due to routine maintenance.
You will need to talk to us if
You have an Offset or Tracker Mortgage
You are on a Fixed Rate Mortgage
You are having difficulties meeting your current monthly repayments
You can choose to switch online if
Your current Residential or Buy to Let fixed rate product is coming to an end.
You are currently on a variable rate product.
1. We know you
As an existing customer, we already have your details, meaning we don't need to carry out any credit or affordability checks, as long as you don’t make any changes such as borrowing more.
2. Getting a quote is quick
Our secure online platform lets you complete your application in under 10 minutes.
3. You can plan in advance
You can pick a new product within 60 days of your current fixed rate coming to an end.
4. Choice and confidence
Your quote is personalised and you can progress online or in person, whichever you're more comfortable with.
If your current product is coming to an end, we will write to remind you 60 days in advance. You can choose to either:
- Let your rate switch to the follow on Variable Rate as outlined in your Terms & Conditions. Follow on Variable rates are not linked to the European Central Bank (ECB) base rate or SVR, therefore the rate can increase or decrease at any time even if there is no change to either of these rates.
- Or choose from one of our other fixed or variable interest rate options.
If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different product, or you just want to look at what we could offer you, you can either log on to Manage my Mortgage or contact us where you will be provided with a list of options available to you and the estimated monthly payment on each. If you would like to see the total interest you would pay on each option, we can provide this to you on request.
You should always keep your mortgage arrangements under review as there may be other options that could provide savings for you. This will depend on specific factors such as:
•Your Loan to Value (which is how much you owe on your mortgage in relation to how much your property is worth). You may be able to move between Loan to Value interest rate bands subject to the provision of an up to date valuation.
•The amount of your borrowing.
• If you hold your main current account with us.
• Whether you choose a fixed or variable rate.
You should contact us on the number below or log on to Manage my Mortgage to view alternative rates which could provide you with additional savings. If you are not eligible to move to an alternative interest rate with us you might be able to avail of lower interest rate from another lender based on an up to date valuation of your property.
You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders and changing mortgage type here.
If you want to know more about switching to a new product, or have any other questions about switching, please get in touch.