Switch your mortgage

Change is good, let's doddl it

Rates have rocketed, and switching mortgages can be daunting. We’ll guide you through everything, at no cost to you.

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family breakfast at home - switch mortgage - doddl

Switch to the best mortgage rate in Ireland

Working with all major lenders, we’re able to make sure you’re switching to the best rate on the market.
Working with your free doddl advisor, we’ll make sure that your switch works for you now, and into the future.

Rates correct as of today, June 24, 2024
Rates may change and rate is set at date of mortgage draw down.

VARIABLE

3.75%

Ireland's best variable mortgage rate available today

FIXED

3.45%

Ireland's best fixed mortgage rate available today

LOCK IN

30 years

Ireland's longest fixed term mortgage available today

Why switch mortgage with doddl?

Switching your mortgage can be daunting, and so people often stay stuck with what they have. But it doesn’t need to be that way. We’ve helped thousands of Irish home owners get better rates, terms, and peace of mind by switching with us.

couple discussing finances - switch mortgage reduce payments - doddl

Reduce my monthly repayments

Working with all major lenders, we can see if there’s an option to keep money in your pocket.

irish man at home drinking coffee - switch mortgage to reduce mortgage term - doddl

Reduce your mortgage term

Living mortgage free sooner doesn’t have to be a pipedream! Let’s see what’s out there for you.

couple decorating their house - switch mortgage for home improvements - doddl

Top up for home improvements

Switching your mortgage can be a great opportunity to add value to your home.

All lenders, one portal

The digital mortgage experience (DMx)

Manage the full mortgage switching process and get expert support from your dedicated advisor all the way to draw down.

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ireland online mortgage tool doddl dmx

Mortgage switching steps

Change is good, and it’s even easier with doddl.

1.

Tell us a little bit about you

Just the basics – your existing lender, term and rate and a few other mandatories.

2.

We'll show you what a better mortgage could look like

Working with all major lenders, we’ll let you know if there’s better options for you on the market. Or we’ll let you know straight away if you’re already on the best rate for you.

3.

Choose the best switch, with expert advice

Decide on the best lender, rate and term for you, with expert advice from a real human through our portal and/or chat. We can even pick up a phone if you’d prefer!

4.

Finish quick with AI and Open Banking

Breeze through your application in our portal, with AI supports and features such as Open Banking.

5.

Move on with the more interesting things in your life!

We’ll take care of everything else, all the way through to drawdown and transfer of funds.

6. (optional)

Tell a friend how switching mortgages wasn't as painful as you'd first thought

We’re on a mission to make home owning a whole lot easier. Give the gift of doddl.

Happy mortgage switchers across Ireland

4.8 out of 5 Google Rating

We’ve helped thousands of Irish customers switch their mortgages, without all the hassle.

doddl were an absolute pleasure to deal with from start to finish. Our Fixed Term was due to expire next year so I contacted doddl to discuss our options. We ended up switching our mortgage. All the staff were incredibly helpful throughout the entire process and explained our options so clearly. The process was so quick and their online portal was so easy to use. I can’t recommend doddl enough, they’re brilliant at what they do.

Sean Gibney

October 2023

We dealt with Aislinn and Kevin who were professional, efficient and so easy to communicate with throughout. Never afraid to pick up the phone for a call – which is fast becoming a lost art! I would be happy to recommend doddl to anyone based on our experience.

Laura Larkin

July 2023

We recently completed a switcher mortgage with the doddl team and they made the whole process very easy from start to finish. We dealt with Catherine and Elaine and both were fantastic to deal with, very professional and friendly and amazing at what they do. Would highly recommend the doddl team!

Jennifer Duffy

June 2023

This is our third time working with doddl. Another excellent experience with Elaine and Una. They are incredibly patient, knowledgeable and thorough. They make the switching process very simple and easy to understand. Highly recommend and will certainly work with them again in the future.

Brian Gallagher

August 2023

Mortgage switching FAQ

Questions are for answers. Here’s everything you need to know about switching your mortgage.

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What is mortgage switching?

Mortgage switching is moving your mortgage from one bank to another generally to save on interest. 

Your mortgage repayment is made up of interest and capital and the lower you can keep your interest throughout the term of your mortgage the less interest you repay.

Interest is paid on every mortgage but our goal at doddl is to reduce the interest you repay. Interest adds no value to your mortgage and if you pay more than you should it is a needless cost to you. 

By switching your mortgage and reducing your interest rate, you can reduce your monthly payments or your mortgage term.

This can result in savings of tens of thousands over the life of your mortgage.

For most households, their mortgage is their largest financial commitment, so it is hugely important to understand what mortgage rate you are repaying and to see if you can reduce this outgoing.

At doddl this is what we are here to help with. As your circumstances change, so can your mortgage and we’re here to do that work for you. 

Mortgage switching is much easier than home purchase, when you purchased your home you had to deal with bidding, buying and moving home. 

There is paperwork involved but our DMx application platform and team help to make the process easier and the savings that you can make far outweigh the time it takes to pull together the documents. Once we have all to hand we can push everything forward for you to complete the switch.

If you dont know whether it makes sense for you to switch then just ask our team, we will do the number crunching for you.

You will only switch if it makes sense to do so but the important point is to check your rate and speak to our team and if you can save by switching then do it! 

How do I know if I should switch?

We can help - our team can calculate if you can save by switching and we can complete the switch with you. 

Check out our simple switching calculator.

Rates have increased since 2022 and as such it is so important to secure the best rate you can achieve.

You may want to go variable, fix for a short or medium term or fix for whole of mortgage term, we can advise and help you secure the best rate for you.

Get Started on our website today, provide some initial information re your current mortgage and our term will come back to you to tell you if you can save by switching and advise you on all options available. And remember our advice is always free to you.

If you dont know where to start, get in touch, we have over 45 mortgage specialists at doddl who can help.

How much could I save by switching?

At doddl we will review your current rate and terms and let you know if you can save by switching. 

As a starting point our Switching Calculator will let you know if you can save by switching and our team can give you all the options available to you. We just need some initial information and we can do the research and hard work for you. 

It’s free and easy to check and literally takes about 30 seconds to fill in.

Then it’s important to start the process so that one of our advisors can provide you with more information and next steps to realise your interest savings. 

At doddl we are the mortgage switching experts in the Irish market. Our advisors, technology and process make it easier for you to understand if it makes sense to switch and we will help you complete the switch. 

Check out the News section of our site for our quarterly Mortgage Switching Index with the Irish Independent. This shows the huge savings that can be made by switching with doddl.

How much will switching cost?

At doddl we do not charge any fee for our service.

You will only every switch if you have a financial benefit in doing so and if there is you will progress to application and completion.

Through the switching process you will be required to engage a solicitor to complete a certification of title, this process is not the same or as extensive as a conveyancing process at time of purchase and as such there is lower fee. We have a panel solicitor offering a flat fee and excellent service to our customer. 

You will also have a valuation fee of c. €185 and your valuation will only be required once you have approval and have decided to progress.

So again no cost unless you decide to progress to complete out on the switch and you will only do that if you will save by switching. 

Many of the lenders have ‘Switcher Packages’ which covers the legal and valuation fees. The lowest Switching Package is €2,000 other lenders offer 3% of the mortgage back in cash to switcher customers. Ask our team about the various switcher packages available. 

Our expert advisors will outline the saving options by lender and will also set out the switcher packages on offer from each lender.

How long does switching take?

On average the process takes about 6 weeks but most of this work is behind the scenes and we’ll take care of that. Keeping you up to date along the way.

What documents are needed?

To start with, all we need is a few straightforward pieces of information that can be filled in on our DMx portal. This will help us to get a better understanding of your circumstances, so we can provide you with all the options that we feel meet your needs. 

Once you progress to application we will need documents to verify your identity, income and bank statements. This will all be clearly set out to you on your account on our application platform and by your advisor. 

At doddl we have built an Application Platform, our DMx platform which allows you to complete a digital application form, verify your identity and upload documents to our account on our portal 24/7. We have a full messaging facility direct to your advisor and lots of helpful information for each stage of the process. 

Our technology and advisors will streamline the mortgage documentation and application process for you.

 

Switching mortgages, without the hassle

Every customer is unique, but this is not our first time round the block. We make it our business to ensure every mortgage switch is as straight forward as it can possibly be.

Mortgage switching news and insights

We’re the experts the media call on!

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