Looking to reduce your monthly payments or get a better deal? At Switch My Mortgage, we compare rates from Ireland’s top mortgage lenders, offer fast online approval, and guide you through the switch — all 100% free.
Rates from
3.00%
Best mortgage rates in Ireland
Variable
3.75%
Ireland’s best variable mortgage rate
available today
Fixed
3.0%
Ireland’s best fixed mortgage rate
available today
Flex
3.76%
Ireland’s best flex mortgage rate
available today
Mortgage Calculator
Compare Best Mortgage Rates In Ireland
Receive up to 2% cashback on your mortgage with some rates.
Find your best rate
Enter your mortgage details to compare rates from Irish lenders.
€
€50,000€2,000,000
€
€25,000€2,000,000
Loan to value (LTV): 90% · Deposit: €35,000
No lender rates match that combination of loan amount and LTV. Try adjusting the loan amount or property value — or talk to us and we'll search the whole market for you.
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Rates verified against lender websites and switcher.ie in August 2026 and are indicative only. Your actual rate depends on your BER rating, loan size, LTV and lender criteria. Park Financial compares the whole Irish market — independent advice at no cost to you.
Why Irish Homeowners Trust Us to Switch Their Mortgage
Backed by over 1,300 verified client reviews and decades of combined expertise through Park Financial, we are Ireland’s trusted digital mortgage switching hub. We provide independent, whole-of-market access across all major Irish retail banks and non-bank lenders to ensure you secure the lowest possible rate for your home.
Our expert switcher service is completely free, featuring a fully digital process so you can seamlessly switch your mortgage with absolute ease from anywhere in Ireland—without ever stepping foot in a bank branch.
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Why switch?
What are the advantages of switching mortgage?
For starters your mortgage repayments could be lower as your existing lenders rates might no longer be competitive. Here are more reasons why you should switch now.
Fixed interest rates
You can now fix the interest rate on your mortgage at historically low interest rates.
Home Improvements/Equity Release
You could use the equity in your home to carry out home improvements, consolidate your debts or buy a holiday home.
Your switching costs are covered
At present, most lenders will offer incentives that will cover the cost of you switching your mortgage to them.
How to Switch Your Mortgage
1
Enquire
Make an enquiry to review your current mortgage
2
Compare
We will compare Irelands best mortgage rates to see how much you can save
3
Upload
Upload your documents and receive approval
4
Switch
Complete your mortgage switch and enjoy your savings all for free
Frequently Asked Questions
We have all the answers for you
How to switch your mortgage?
Understand the terms and conditions of your existing mortgage, including the interest rate, repayment terms, and any penalties for early repayment.
At Park Financial we will then assess all your options to see how much you can save by switching.
What documents are required for switching mortgage?
- Proof of Income
- Bank Statements
- Proof of Identity
How much could I save by switching mortgage?
Contact us today and we will advise how much you can save by switching lender. We will go through a list of interest rates available from all the lenders to ensure you are getting the best rate on the market.
You can also try our Switching Calculator to see how much you can save.
Is there a penalty for switching mortgage?
Your lender may charge a breakage fee if you are still locked into a fixed rate. When assessing your current terms, you can contact your lender and they will be able to advise if there will be any breakage fee for switching mortgage.
How much does it cost to switch mortgage?
Broker – No Fee
Legal Fees – €1,000 to €1,500 (Depending on your solicitor)
Valuation fees €150 – €185 (Depending on the valuer)
Can I get cashback if I switch mortgage?
Some lenders now offer to pay a contribution to customers towards their switching fees and this payment normally covers the cost of switching lender. So, in many instances, switching lender will not cost you anything.
How long does it take to switch mortgage?
On average the process takes about 6 weeks. It is important your solicitor requests the deeds from your existing lender as soon as possible to avoid any delays.
