Remortgage Legal Services

Every kind of remortgage transaction, handled from our Dublin office for clients across Ireland.

A remortgage looks simple from the outside — you keep the same house and change the loan. Legally, it is a full conveyancing transaction: your title must be investigated and certified to the new lender, the old mortgage must be redeemed and released, and the new charge must be registered. The service pages below cover each variant of that work in depth.

Switching and saving

The classic remortgage: moving your existing loan to a new lender for a better rate or a cashback offer. We handle the title certification, undertakings, redemption and registration that the switch requires.

Switching lender — the legal side of moving bank
Remortgage costs and fees — what the whole exercise costs
The remortgage process — every step from loan offer to drawdown
The remortgage timeline — how long it really takes

Borrowing against your equity

Where the point of the remortgage is to raise money — for renovations, education, a site purchase or investment — the legal work includes satisfying the new lender about the purpose of funds and any conditions attached to them.

Equity release and top-up mortgages
Self-build and non-standard property remortgages
Buy-to-let remortgages, including consent-to-let issues

Changing who owns the property

Many remortgages happen because ownership is changing: a couple separating, one co-owner buying out another, or a name being added after marriage. These are transfers of equity, and they combine conveyancing with careful attention to lender consent and, where relevant, family law orders.

Transfer of equity — adding or removing a name
Remortgage after separation or divorce

When the title is the problem

A large share of delayed remortgages are delayed by the title, not the borrower: missing deeds, unregistered land, planning irregularities, or an old mortgage that was paid off but never released. We identify these issues early and fix them.

Title issues that delay remortgages
Redemption of your existing mortgage and retrieval of deeds
Arrears history and negative equity situations

Free on-device tools

Two calculators run entirely in your browser — nothing you enter is stored or transmitted. The Remortgage Savings Calculator compares your current and proposed rates and shows the break-even month once switching costs are included. The Remortgage Readiness Checker turns a short questionnaire into a document checklist and readiness summary.

Talk to a remortgage solicitor

Mary Molloy Solicitors acts for homeowners and property owners across Ireland on remortgages, switches, top-ups and transfers of equity. All enquiries are handled through our Dublin office.

This page contains general information about Irish law and practice. It is not legal advice, it may not reflect your circumstances, and reading it does not create a solicitor–client relationship with Mary Molloy Solicitors. We do not advise on taxation; please speak to your accountant or Revenue. In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement.