Remortgage Readiness Checker
Ten quick questions. Get a readiness summary and a document checklist tailored to your answers. Runs entirely on your device — your answers are not stored or sent anywhere.
1. Is the property registered in the Land Registry (it has a folio number)?
2. Is the house exactly as originally built — no extensions, attic or garage conversions, or significant alterations?
3. Are all owners on the title alive, and is everyone named on the folio available to sign?
4. Is your current mortgage the only charge on the property (no old paid-off loans still showing, no judgment mortgages)?
5. Is your Local Property Tax fully up to date?
6. If you are married or in a civil partnership, are both of you available to sign consents and declarations?
7. Do you live in the property yourself (it is not rented out)?
8. Are you on a variable rate (not currently in a fixed-rate period)?
9. Do you already have mortgage protection cover that can carry over or be assigned?
10. Is the property a standard urban/estate house (not a one-off with shared lanes, wells or a septic tank involving neighbouring land)?
Your readiness summary
0 of 10 answered — answer the rest to complete your summary.
This tool gives general guidance only from the answers you enter and is not legal advice. For the full picture, read the remortgage process, title issues and the remortgage timeline.
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.