Switching Mortgages?

Switching mortgages can help you access better rates, lower your repayments, or release equity — but it also involves a series of important legal steps. Our property team deal with the legal title and drawdown of both the new mortgage and redemption of old mortgage ensuring the entire process is handled efficiently, transparently, and with your best interests at heart.

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Switching Mortgages in Ireland

Expert Legal Support for a Smooth Mortgage Switch

Switching mortgages can be a smart financial move — whether you want to lower your monthly repayments, secure a better interest rate, or release equity from your home. At Gibson & Associates LLP, our experienced mortgage solicitors specialise in managing the legal process of switching mortgages in Ireland, ensuring your transition is seamless, efficient, and fully compliant with Irish property law.
What Our Mortgage Solicitors Do

Speak to our legal team now about your case. Call us
Freephone on:
+353 (0)1 264 5555

Expert Legal Support for a Smooth Mortgage Switch

Review your existing mortgage and title documents.
Liaise directly with your new lender to prepare all required legal documentation.
Manage redemption of your existing loan.
Ensure registration of your new mortgage with the Property Registration Authority.
Handle all financial transactions safely and securely.

Our goal is to complete your mortgage switch quickly and with minimal disruption, giving you complete peace of mind throughout the process.

Featured In

Our Dedicated Property Team

Daireann Gibson
Managing Partner

Amanda Walsh
Partner

Roisin McCluskey
Senior Solicitor

Celine Clarkin
Solicitor

Warren Sexton
Solicitor

Natasha Rodgers
Senior Business Operations Manager

Sarah Davis
Senior Legal Executive

Ruta Janulaitylte
Legal Executive

Michelle McKeon
Legal Support

How Gibson & Associates Support You When Switching or Remortgaging Your Property

Switching mortgages can help you access better rates, lower your repayments, or release equity — but it also involves a series of important legal steps. At Gibson & Associates, our property team ensures the entire process is handled efficiently, transparently, and with your best interests at heart.

Here’s how we support you through each stage of your mortgage switch:

1. Taking Your Instructions and Reviewing Your Current Mortgage

We start by gathering details about your current mortgage and property. Our solicitors review your title deeds and confirm ownership to identify any potential legal issues before the process begins — keeping everything on track from the start.

2. Requesting Your Title Deeds from Your Existing Lender

We contact your current lender directly to obtain your title deeds. These documents are essential for preparing your new mortgage, and our team ensures they’re received quickly to avoid unnecessary delays.

3. Reviewing Your New Loan Offer

When your new lender issues a formal loan offer, we review it carefully and explain all terms and conditions in plain language. We’ll highlight any special conditions, ensure they match what was agreed with your mortgage advisor, and provide independent legal advice before you sign.

4. Carrying Out Legal Searches and Checks

To protect you and your new lender, we complete all necessary Land Registry or Registry of Deeds searches. This confirms that your property has a clear title, free from hidden charges, judgments, or restrictions that could affect your mortgage.

5. Preparing and Executing the New Mortgage Documents

Our solicitors prepare the new Mortgage Deed (or “Charge”) for you to sign. We ensure all legal formalities are followed, that the documents are properly executed, and that your new lender’s requirements are met in full.

6. Redeeming Your Existing Mortgage

Once the new mortgage funds are released, we handle the repayment of your existing mortgage in full. We obtain a Deed of Release from your previous lender and ensure your old charge is removed from the title — leaving your property correctly registered under your new mortgage.

7. Registering Your New Mortgage

We take care of registering the new mortgage with the Property Registration Authority (PRA). This ensures your new lender’s interest is correctly recorded on the title and that the legal transfer is fully complete.

8. Final Reporting and Returning Your Title Deeds

After registration, we provide a final report to your new lender confirming completion. We send your updated title deeds to your lender for safekeeping and provide you with a copy of the registered documentation for your own records.

Because your story matters-just like theirs ..

Conveyancing with Roisin and Sarah. Sarah, who was the main point of contact was excellent, highly efficient and responsive to queries in a speedy manner.
Almost everything was done online with minimal face to face meetings required.

R Hegarty

Property purchase!
Very attentive and professional team! Quick to answer any queries. Took the time to thoroughly explain each step of the process, ensuring that I was comfortable and informed about every decision. Overall, a highly positive experience that led to a smooth purchase. Would recommend!

Dylan

Great service from start to finish. They really care about their clients. Thanks Sarah and Roisin for helping us through the process of selling our house and buying our dream home.

David Giles

Warren Sexton, is a stellar solicitor. I go to Gibson and associates for all my legal representation and I have found all of their solicitors are very easy to work with. Warren represented me very well through the purchase of a house in Ireland.
I currently live in the USA and so the logistics were a bit complicated but Warren made the purchase easy.

Terry Hardestyn

We can help you with a range of property transactions:

Conveyancing

Our conveyancing service provides the peace of mind you need when buying or selling a property. Our team has a strong track record of successfully closing property deals quickly and efficiently right across Ireland.

Change of Ownership

If you need to change, add, or remove a person from your property’s title, or transfer it to a different person completely, our property team can help.

Buying a Property

Whether you’re a first-time residential buyer or moving up the property ladder, our conveyancing service lets you buy property quickly, safely, and hassle-free.

Voluntary Transfer of Property

Are you planning to transfer ownership of a property to help an older relative, support children financially or keep assets in the family? You can rely on our property team to take care of your property transfer.

Selling a Property

If you’re selling a property, you can have confidence that our conveyancing service will take care of every last detail, providing you with an efficient transaction with the minimum fuss.

Mortgage Solicitors

A mortgage is likely one of the biggest financial undertakings you will undertake in your life. Our property solicitors take care of the legal aspects of your new mortgage or if you are switching mortgages.