Based in Cork. Serving Clients Nationwide.
Save thousands by switching to a better mortgage deal.
Are you paying too much for your mortgage?
Did you know that you can save thousands by switching mortgages?
We’ve helped hundreds of homeowners switch to a better rate.
We search the market and compare lenders to find you the cheapest available option.
Switching mortgage lenders has never been easier.
Why Choose Us
Talk To The Mortgage Architect
Nothing beats choice, flexibility and experience.
Mortgage Consultation
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Mortgage Application
Next we will complete your application in full and submit it to your chosen mortgage provider.
Mortgage Approval
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
Property Valuation
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter Of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance & Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange Of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing The Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.
Talk to a mortgage advisor today and see how much you could save.
Frequently Asked Questions
Switching mortgages can be more straight forward than a purchase as there is reduced document requirements and we compare lenders to find you a better rate, more flexible terms, and handle all paperwork and communication for you.
Most mortgage switches can take between 6–8 weeks, but it can vary based on your current lender and speed of your solicitor and how quickly your documents are submitted.
At The Mortgage Architect, we do not charge any fees to help you switch your mortgage. There would be legal fees associated with the mortgage switch and a valuation fee for your current property but no other costs other than this.
Yes, you can switch mortgage during a fixed-rate period, however your current lender may charge an early repayment fee or breakage fee for ending the fixed term contract early.
By switching to a lower rate, you can lower your monthly payments and save thousands in interest over the full term of your mortgage.
Yes, you can release the equity that is in your property for a number of purposes such as home improvements. We can guide you through this process.
Use our mortgage repayment calculator to estimate your monthly repayments.
