Thinking of switching your mortgage in 2026? Here’s what you need to know

Between new rules and new entrants to the market, it’s a good time to look at changing your mortgage provider

It has never been more important for Irish mortgage holders to be proactive about getting the best deal. Photo: Getty.

One big relief for the 2026 mortgage year is that stability rules. Probably.

The European Central Bank, having finally got interest rates under control last year, is determined to maintain them. That means confidence for switchers shopping the market, knowing it is unlikely – although not impossible – that the swinging ups and downs are over.

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