There are many reasons why you should switch your variable rate mortgage. All Financials can help you save on your monthly payments, secure you up to €2,000 cash back, get you a 50% reduction in your first years home insurance, and even pay for your bank valuation.

Reduce Monthly Payments

A customer with a mortgage of €250,000 over 25 years. The difference between the best and worst rate can be as much as €160 per month – circa €1,920 per year and if all remains the same is a saving of €48,000 over the term of the loan.

Up to €2,000 Cash Back

Switch your mortgage and you could get up to €2,000 to help towards your legal fees, circa €1,000.

50% Off House Insurance

As an incentive one of the banks offering very competitive rates is also offering a 50% discount on your home insurance if you use there affiliated insurer.

Free Valuation

All Financials will refund the valuation fee to you on completion of the mortgage.

Will it work for you?

You can switch a mortgage on a house you live in, in Ireland, from any mortgage provider.

When considering your mortgage application Lenders will look at your (loan to value ltv ratio).

Your payments have to be up to date, and your mortgage needs to have some equity in it, which means the balance is less than the value of the house. In general, your (mortgage application) won’t be approved if you are in (negative equity).

Mortgage terms should be kept coherent with your repayment means.

 

Disclaimer: You could lose your home if you do not keep up repayments on this loan and Interest rates could increase and hence your monthly repayments could increase.

(Mortgage Interest rates) could increase, and hence, your monthly (mortgage repayment) could increase.

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 restrict your (ability to access credit in the future).

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