Mortgage Switching & Remortgaging
Review your mortgage options with clear, no-fee advice from experienced mortgage brokers.
30+ Years’ Experience
Nationwide Service
Your Mortgage
Needs Reviewing Too
Your mortgage may have suited you when you first bought your home, but your circumstances, mortgage rate and financial goals can all change over time.
You may be coming to the end of a fixed rate, wondering whether your current deal is still competitive or looking to make your monthly repayments more manageable.
At Covermore, we help you review your current mortgage and understand whether switching lender, changing rate or remortgaging may be worth exploring.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
Could switching or remortgaging
make sense for you?
Your fixed rate is ending
When your fixed period comes to an end, it can be a good time to review your mortgage and understand the options available.
Your current rate no longer suits you
You may want to compare your current rate against other mortgage options and consider whether a change could make sense.
Your financial circumstances have changed
A change in income, household costs, family circumstances or financial priorities may mean it is time to review your mortgage position.
You want more certainty over repayments
You may want to explore mortgage options that provide greater clarity around your repayments and future budgeting.
You are thinking about restructuring your mortgage
Some homeowners may want to review their mortgage term, repayment structure or wider borrowing arrangements.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
How Covermore helps with mortgage switching and remortgaging
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
Review your current mortgage
We start by helping you understand your existing rate, term, repayments and mortgage position.
Compare suitable mortgage options
We explain the relevant options in plain English, including mortgage rates, repayment structures, terms and key considerations.
Explore your available options
We help you understand whether staying with your existing lender, switching lender or changing mortgage terms may be worth considering.
Guide you through the process
If you decide to move forward, we help you understand the steps involved and what information may be required.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Based on
your situation
Switching or remortgaging may help you secure a more suitable deal as your circumstances change.
We review your current mortgage, explain your options clearly and help you decide what may suit your needs.
My fixed rate is ending soon
We can help you review your options before your current fixed term ends.
I think I may be paying too much
We can help you understand your current mortgage arrangement and explore whether other options may be available.
I want to reduce my monthly repayments
We can help you review your mortgage options and consider how different rates, terms or structures may affect your repayments.
I want to shorten or change my mortgage term
We can help you understand how a change in term may affect your repayments, overall commitment and wider financial position.
I have changed jobs or my income has changed
A change in income can affect what feels affordable and what mortgage options may be suitable.
I am considering a mortgage top-up
A mortgage top-up has its own considerations. We can help you understand whether it may be appropriate and how it could fit into your wider financial plan.
What to prepare before a mortgage review
It can be useful to have a general understanding of:
Your current mortgage balance
Your current rate and mortgage term
Whether you are on a fixed, variable or other mortgage rate
Your monthly mortgage repayment
Your income and employment position
Any loans, credit commitments or regular outgoings
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Not sure what financial step to take next?
Do Covermore charge a fee for mortgage switching consultations?
Covermore provides no-fee mortgage consultations. We will explain clearly how the process works before you make any decision.
Can I switch mortgage before my fixed rate ends?
It may be possible, but your existing lender could apply an early repayment charge or other conditions. We can help you understand what may apply to your mortgage.
Do I need to change lender to switch mortgage?
Not always. In some cases, it may be possible to review options with your existing lender. In others, switching lender may be worth considering.
How long does it take to switch mortgage?
The timeframe can vary depending on your circumstances, lender requirements and the details of your application.
Will I need to provide documents again?
You may need to provide updated information about your income, employment, bank statements and financial commitments. We can guide you through what may be required.
Can I remortgage if my financial circumstances have changed?
It may still be possible, but lender criteria and affordability checks will apply. We can help you understand your options based on your current circumstances.
Do you only provide mortgage switching advice in Dublin?
No. Covermore is based in Dublin and works with mortgage clients nationwide.