Switch to a new mortgage product

If your rate is up for renewal, have a look at how we could help

Get ready to switch your mortgage product

Ready to switch your mortgage to a different product, or just want a look at what we could offer you? 

Get started by logging in to "Manage my Mortgage" and get a personalised quote in only a few minutes.

To log in, all you'll need is:

  • Your mortgage account number
  • Name
  • Date of Birth

Please note our online service is unavailable from 5am to 7am due to routine maintenance.

Not sure if you can switch your product right now?

You will need to talk to us if

  • You have an Offset or Tracker Mortgage
  • You are on a Fixed Rate Mortgage
  • You are having difficulties meeting your current monthly repayments

Talk to us about your specific needs on 01 7092500 or 0818 210 275..

You can choose to switch online if

  • Your current Residential or Buy to Let fixed rate product is coming to an end.
  • You are currently on a variable rate product.

If your current product is coming to an end

If your current product is coming to an end, we will write to remind you 60 days in advance.  You can choose to either:

  • Let your rate switch to the follow on Variable Rate as outlined in your Terms & Conditions.  Follow on Variable rates are not linked to the European Central Bank (ECB) base rate or SVR, therefore the rate can increase or decrease at any time even if there is no change to either of these rates.
  • Or choose from one of our other fixed or variable interest rate options.

If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different product, or you just want to look at what we could offer you, you can either log on to Manage my Mortgage or contact us where you will be provided with a list of options available to you and the estimated monthly payment on each. If you would like to see the total interest you would pay on each option, we can provide this to you on request.

Keep your mortgage under review

You should always keep your mortgage arrangements under review as there may be other options that could provide savings for you.  This will depend on specific factors such as:

  • Your Loan to Value (which is how much you owe on your mortgage in relation to how much your property is worth). You may be able to move between Loan to Value interest rate bands subject to the provision of an up to date valuation.
  • The amount of your borrowing.
  • If you hold your main current account with us.
  • Whether you choose a fixed or variable rate.

You should contact us on the number below or log on to Manage my Mortgage to view alternative rates which could provide you with additional savings. If you are not eligible to move to an alternative interest rate with us you might be able to avail of lower interest rate from another lender based on an up to date valuation of your property.

You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders and changing mortgage type here.