Why switch your mortgage?

Why should you switch your mortgage? In the beginning, your lender and their terms and rates seem to be just perfect. But as time passes by, there will be many competitors.

Switching can be a great option for you. You will be able to save a lot of money and at the same time, you will also be able to repay your mortgage faster.

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What are the reasons for switching?

We have listed some best reasons why you should consider mortgage switching and get in touch with Platinum Financial:

Fixed interest rates / Low-interest rates

One of the main reasons why you should switch mortgage Ireland is the lower interest rates. In Ireland, you can find several lenders with low-interest rates or fixed interest rates. You can all the lenders and then pick the one that suits your requirements. The terms remain the same, while you can enjoy lower interest rates.

Home improvements / Equity release

You will be able to save a lot with mortgage switching. This money can be helpful for improving your home. You can also use it for equity release. Or you can even spend it on buying something new.

Your switching costs are covered

Usually switching is going to cost you a certain amount. Yes, you will have to pay a certain fee to your old lender. Most people opt for switching even if you have to pay the fee because you can save more despite paying the fee. The best part of switching is, your new lender will cover the cost of switching.

Cash back& incentives

Lenders offer you incentives or cashback when you switch to them. You can take advantage of these perks also when you switch to a new mortgage lender.

Why choose platinum mortgages?

No matter your circumstances, our in-house credit specialists can help everyone get a mortgage, even if you have a history of adverse credit.

Poor credit experts

No matter your circumstances, our in-house credit specialists can help everyone get a mortgage, even if you have a history of adverse credit.
We will recommend the perfect mortgage for your needs and provide you with an Agreement in Principle, if you are looking to buy a new property.

No obligation advice and quotes

We will recommend the perfect mortgage for your needs and provide you with an Agreement in Principle, if you are looking to buy a new property.
We handle the entire mortgage application process through to completion, liaising with your lender, solicitors and estate agents to remove the hassle from you.

Stress and hassle free

We handle the entire mortgage application process through to completion, liaising with your lender, solicitors and estate agents to remove the hassle from you.
As a responsible broker, we want your mortgage to always be the best fit for you. So when it’s time to review it, we will be here to help.

With you all the way

As a responsible broker, we want your mortgage to always be the best fit for you. So when it’s time to review it, we will be here to help.
We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

Protecting what matters most

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.
Apply for a mortgage at any time of the day through our 24/7 MortgageApplication portal.

24/7 mortgage applications

Apply for a mortgage at any time of the day through our 24/7 MortgageApplication portal.

The-Platinum

The Platinum portal:
your mortgage, your way

Stay up to date on the progress of your mortgage application via your own portal.

Securely upload and submit your documents
Instant access to your personal, 5 star rated mortgage broker
Track the progress of your application anytime, anywhere
Access on a PC, tablet or smart phone
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Let’s discuss required Mortgate options

Speak to a Platinum Mortgage team member now

About Platinum Mortgages

Our motto is ‘straight-talking advice’ and we live by that. No jargon, no fuss, no stress. We’re passionate about getting you the perfect mortgage with the best rates, no matter if you are; buying your first home, remortgaging, moving home, purchasing a second property, or you have a history of bad credit. Our job is to help you buy your dream home.

Get in touch

Mon- Fri :
9:30 am - 5:30 pm

WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.

WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME

If your mortgage is ever on a variable rate:
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

If your mortgage is ever on a fixed rate:
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOANEARLY.

If your mortgage is on an interest only term:
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST ONLY PERIOD.

If your mortgage is an equity release mortgage and is being used for debt consolidation purposes:
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.

©️ 2022 Platinum Mortgages. All rights reserved.

David Devine t/a Platinum Mortgages and Platinum Financial Planning is regulated by The Central Bank of Ireland. Reg. No. C118945 Finance House, Florence Road, Bray, Co. Wicklow