The Documents You Need to Remortgage
5 March 2026 · Mary Molloy Solicitors
Remortgages move at the speed of their slowest document. Most of the list is easy; two or three items have long lead times and should be started the day you decide to switch. Here is the full set, organised by who produces it.
Documents you produce
Photo ID and proof of address for each borrower (for both the lender and the solicitor's anti-money-laundering checks); your most recent mortgage statement showing the account number and balance; your Local Property Tax property ID and confirmation payments are current; your marriage or civil partnership certificate where family home declarations require it; and details of any other loans secured on the property.
Documents your advisers and insurers produce
The new lender's valuation, from its panel valuer; mortgage protection cover, assigned or noted for the new lender — start this immediately, because new policies with medical underwriting are the classic late-stage delay; and home insurance with the new lender's interest noted, usually a same-week letter from your insurer.
Documents the property itself may demand
If anything has been built or altered — extension, attic conversion, garage conversion — certificates of compliance or exemption from an architect or engineer. If the house is a one-off or self-build: evidence of rights of way, well and wastewater arrangements. These property documents are the ones that take weeks when missing, and the ones our readiness checker screens for before your loan offer starts its countdown.
Documents nobody needs to chase
Your title deeds come from your current lender via your solicitor's accountable trust receipt; redemption figures come from the same source near completion; folios and searches are ordered by the solicitor as a matter of course. Your job on these is simply to instruct early enough that the requests go out in good time.
Read more in our main guide: The Remortgage Process in Ireland, Step by Step · or back to the blog.
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