Remortgages / Refinance / Loan Consolidation:

Mortgage Repayments.... Term Loans.... Car Finance.... Credit Card Bills.... Holiday Loans.... Credit Union Loans...

With a few different loans, the monthly repayments can add up pretty quickly!!

Enquire about Consolidating your loans & Switching your Mortgage

Have you ever wondered if there is a more efficient way of meeting these monthly commitments, especially against a backround of increasing house values and low interest rates?

Switching your mortgage will allow you to combine all your loans into one simple package with one monthly repayment, and at very low interest rates.

Not only that, but you can arrange to include new borrowings to allow for important expenditure such as a new kitchen, replacement windows, an extra bedroom or even a provision for school or college fees. In fact, you can borrow additional funds for almost any reason.

Enquire about Consolidating your loans & Switching your Mortgage

So how does a remortgage work?

We will pay off your existing mortgage, and any loans you want to get rid of. Just tell us how much extra cash you'd like, add it all together, and take out the new mortgage over a term to suit. You can choose a mortgage over 10 to 30 years, whatever suits you best.

NEW: You can borrow 60% - 90% of your property value, depending on the lender and your requirements..   

Why should I arrange my new mortgage package with you?

• Online remortgages with very low interest rates:
  
  Because we deal with a range of different lenders, you have a lot of great rates to choose from.
  
  
• A Remortgage with No Hassle:
  
  You can arrange your new finance package from the comfort of your own home. You don’t need to make an appointment with us (unless you’d like to). All you need to do is to answer some simple questions outlined below & click the send button. We will have a look at your details & email you an approval amount within 24 hours. 
  
  
• A Remortgage...Quickly:
  
  We'll provisionally approve your application within 24 hours, and can issue a cheque within 3 weeks of receiving your signed application.
  

Enquire about Consolidating your loans & Switching your Mortgage

How much can I borrow?

It depends on 2 things - what your income is and what the value of your property is. We will be able to work out your maximum approval amount, if you fill in an online enquiry. Generally speaking, the maximum loan we can arrange is 90% of the property value. 

Example:  A couple in their 30's or early 40's earning €30,000 & €25,000 per year, could borrow over €200,000, as long as their house was worth approx. €225,000 (subject to usual terms and conditions).

What's required?

We will post you a completed form for you to sign, and a checklist of what we'll need.  Normally, we'd need: - Details of your income (payslips, P60, Salary Cert)
- Details of your loans (mortgage & loan statements showing your payments over the last year)
- Bank account statements for 6 months
- I.D. (passport / driving license & a utility bill e.g. ESB, Gas, Phone bill)

So what’s the next step?

To find out how these figures translate into real monthly savings, and to see how much more disposable income you’d have every month, fill in this enquiry request form.  You are under no obligation.

Mortgages Direct Ltd t/a Mortgages Direct is regulated by the Financial Regulator.