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Mortgage switching
How much does it cost to switch mortgage in Ireland?
Switching can involve more than comparing two interest rates: check legal costs, breakage charges, valuation requirements and any incentives.
Page checked: 21 October 2026
Costs to check
Legal costsA solicitor may be needed for the switch.
Breakage chargeFixed-rate borrowers should ask whether leaving early creates a charge.
ValuationA new lender may require a valuation or other property checks.
IncentivesCashback or other offers should be compared with the full cost and conditions.
Calculate the break-even point
Estimate the monthly saving after switching, subtract any one-off costs, and work out how long it takes for the saving to recover those costs.
Use the switching calculator
Compare your current payment with a new illustrative rate and see the potential break-even period.
Compare your current payment with a new illustrative rate and see the potential break-even period.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates