We offer expert impartial advice on a range of products and with access to all major lenders and insurance companies we endeavour to find the best product in the market for our clients, which not only saves time but also provides our clients with the best value for money. IMS Financial Services is regulated by the Central Bank of Ireland.
We live by our company statement
→
"We believe professional impartial/unbiased mortgage advice can add significant value. It is because of this belief that we provide a service that does much more than simply choose the cheapest rate."
We Are Passionate about Mortgages
→
We will take the time to get to know you and your requirements. We will set out the options available and how the process works. Our brokers will handle the paperwork and contact with the Mortgage providers, they will keep you informed of every step taken and how the application is progressing. Our priority is your priorities, getting the best rate available and saving you potentially tens of thousands on your Mortgage.
Demand a better Mortgage!
Switch mortgage online.
In a few minutes we could have you on your Mortgage journey.
Click, Answer, Upload... it's as easy as that. You will be kept informed of every step of the process and you can access your file at anytime. The mortgage portal is a secure system that complies with GDPR and accepted internet security pratices.
When it comes to Switching Mortgages you'll want somebody who can cut through the jargon & offers to get the best rate for you. That is where we come in, at mymortgageswitcher.ie we search for the best mortgage switcher terms and rates for our clients.
Contact Us Today!
Padraig Moloney
Founder, Managing Director
David Tierney
Lending Director
Michael Power
Financial Co-Ordinator
Danny Loughnane
Mortgage Consultant
Brian Dorney
Head of Information Technology
Frequently asked questions
Can I switch my mortgage?
here are a few things you need to consider when switching your mortgage.
Your LTV ( Loan to Value) rate can change based on the amount outstanding reducing and your house value changing up or down. This can be a huge factor in securing a new Mortgage rate.
The balance outstandingon your current mortgage will be a determining factor when looking to switch mortgages.
Term remaining, both minimum and maximum mortgage loan terms can apply if you are switching.
Your current rate or fixed rate could make the difference between significant savings and an overall loss over the lifetime of the loan.
Credit history will be looked at. Have you been meeting your financial obligations.
Before you make any important decisions it would be advisable to seek professional financial advice.
When can I switch my mortgage?
f you are on a variable rate you can, generally speaking, switch at any time. If you are on a fixed-rate mortgage you could pay a hefty penalty to break free, but if you are coming to the end of a fixed-rate period it would be advisable to look at your options going forward.
If you happen to have a tracker mortgage it would have been very unlikely you would get a better rate but with ECB rate increases this may no longer be accurate.
Can I switch my mortgage to another bank?
The short answer is yes! Irish banks are offering very competitive rates to consumers looking to switch their mortgage. There are even cashback incentives being offered by mortgage lenders to get your business. While this may seem attractive in the short term, always remember the interest rate. This is where the real saving is made.
We have a wealth of knowledge and experience in dealing with Clients who want to Switch Mortgages and Mortgage providers. It is our policy to spend some time getting to know our clients and their individual Financial needs.
We hold agencies with all major Irish mortgage providers.
We use cookies to collect and use analytic data only, such as search engine used and area's of this website you have visited. Please see our Privacy Policy for more information.
