Am I Paying Too Much for My Mortgage in Ireland?
MyMortgages.ie are independent, CBI-regulated mortgage brokers based in Dublin and Cork. If your fixed rate has ended, you have not switched in over two years, or you have never compared your rate against the rest of the market, you may be paying more than you need to. Our advisors can check this for you at no cost, using every lender on our panel.
The signs you may be overpaying
- Your fixed rate has ended and you have moved onto your lender’s standard variable rate
- You have not reviewed your mortgage in the last 2 years
- You have never compared your current rate against other lenders on the market
- Your loan-to-value has improved since you took out the mortgage
How Much Could You Save?
Contact MyMortgages.ie today for a free initial assessment. Let’s discuss your current mortgage situation and explore how much you could potentially save by switching to a new deal.
Loan amount of €350,000 over 30 years with a Loan to Value of 60%.
| Before | After |
| €2,087 /m (5.95%) | €1,660 /m (3.95%) |
Total savings €426 /m or €5,112 per annum or €153,360 over 30 years
Disclaimer: This is an illustrative example only. Actual savings will vary based on your outstanding balance, loan-to-value ratio, and the rates available at the time of your application. MyMortgages.ie is regulated by the Central Bank of Ireland.
Is There a Fee to Check?
Checking whether you’re overpaying is free. We are paid by the lender on completion, not by you.
What if my fixed rate hasn’t ended yet?
- Fixed rates significantly below the standard variable rate
- Up to 2% cashback from certain lenders on the full mortgage amount
- Green mortgage rates for properties with a BER rating of B3 or above
€500m+
Mortgages Processed
20+
Years in Business
7
Lender Panel
CBI
Regulated Broker
✓ CBI Regulated: MyMortgages.ie is authorised and regulated by the Central Bank of Ireland.
✓ Whole of Market: We compare every lender including Avant Money, Bank of Ireland, Haven Mortgages, ICS Mortgages, MoCo, Nua Money, PTSB and Spry Finance.
✓ No Fee to You: Our service is completely free to the client. We are paid by the lender on completion.
✓ Dublin Office: 79 Merrion Square South, Dublin 2, open Monday to Friday.
✓ Remote Available: We work with clients across Dublin and nationally via phone, email, and video.
Ready to get started? Call +353 86 806 0601 or complete the callback form and a Dublin advisor will be in touch the same day.
Our Mortgage Services in Dublin
Whether you are a first time buyer, moving home, switching lender, or exploring investment options, MyMortgages.ie provides independent, CBI-regulated mortgage advice across every product available in the Irish market. Our Dublin advisors cover the full range of mortgage types at no cost to you.
Frequently Asked Questions
How do I check if I'm overpaying?
Call our team or request a callback. We compare your current rate against every lender on our panel at no cost.
Is switching worth it for a small rate difference?
Even a small rate difference can be worth thousands over the life of a mortgage — we’ll give you the exact figure before you decide anything.
What if I'm still in a fixed rate term?
You may still be able to switch depending on your break fee. We’ll calculate this for you as part of the free check.
Does checking affect my credit score?
No. A review of your current mortgage does not require a credit check.
How long does the process take?
Switching typically takes 4 to 8 weeks once you decide to proceed.
Mortgage Tools & Resources
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