Key Post Cheapest solicitor for switching mortgages

Brendan Burgess

Founder
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44,656
This has come up a few times.

If you are buying a house or selling a house, choosing the cheapest solicitor might not be a good idea. It's a stressful process and you want to make sure your solicitor is competent.

But if you have already bought a house and just want to switch mortgage, I think that price should be your main concern.

Get a quote from the solicitor you used to buy the house.

Also get a quote for multiple switches if you intend to do multiple switches.

Red Onion posted in another thread:

Here's a breakdown of the estimated outlays for a switch (land registry) where mortgage is registered:
  1. Fee for taking up title deeds from existing lender and discharge of existing mortgage 60.00
  2. Land Registry fee payable on Mortgage Deed 175.00
  3. Land Registry fee payable for copy folio and map after registration 40.00
  4. Search fees (approx.) 100.00
  5. Commissioners fees, for swearing documents 20.00
Total outlays 395.00
 

Brendan Burgess

Founder
Messages
44,656
If it has cost you €1,000 or less in total, please post the solicitor's name and contact details here.

Brendan
 

Brendan Burgess

Founder
Messages
44,656
Does the location of the solicitor matter?

If you are living in Donegal and there is a cheap solicitor in Kerry, is there any reason not to use her?

Brendan
 

Brendan Burgess

Founder
Messages
44,656
Dauhee paid €950 all in

Alexandra123 paid €988 to Lasey & Associates Dublin 15 (These guys maybe?
Lacy & Associates Address: Main st Blanchardstown 15 (01)8213540 )

professional fee : 500
vat : 115
outlays :
fee for taking up documents : 35
land reg : 175
search fees :123
folio / file map : 5
vacant fee to lender : 35

total : 988

Redy 38 paid €950
 

PolkaDot

Registered User
Messages
365
Thanks for setting this up Brendan. Interested to hear views on the location question. For a mortgage switch, is it necessary to physically meet the solicitor at any point??
 

imalwayshappy

Registered User
Messages
133
Great idea. Maybe Solicitors can post their details and fees also Brendan? or is advertising against the rules?
 

MOB

Registered User
Messages
1,172
Does the location of the solicitor matter?

If you are living in Donegal and there is a cheap solicitor in Kerry, is there any reason not to use her?

Brendan
The solicitor is supposed to witness the execution of various documents by the borrower.
 

Paul F

Registered User
Messages
96
A poster here kindly told me the name of the solicitor he used for a mortgage switch:

Eugene Smartt Solicitor in Clondalkin

They currently do a mortgage switch for €999 including VAT (that's an all-in figure).

I have not dealt with them yet but I may well do.
 

Alkers86

Registered User
Messages
217
We paid €1,350 all in recently and thought that was decent so will certainly be shopping around more in future.
 

Concrete

Registered User
Messages
24
I had a quick look at that "Eugene Smartt Solicitor" site, and I think that figure probably won't include fees by the bank/Land Registry/etc. - those would add on a few hundred more. I think "all-in" refers to all the solicitor's charges and expenses, incl. VAT. Maybe I'm wrong though, in which case €999 would be really good value.
 

presidenttttt

Registered User
Messages
125
I had a quick look at that "Eugene Smartt Solicitor" site, and I think that figure probably won't include fees by the bank/Land Registry/etc. - those would add on a few hundred more. I think "all-in" refers to all the solicitor's charges and expenses, incl. VAT. Maybe I'm wrong though, in which case €999 would be really good value.
it does say outlays included? Does that not cover what you reference? Otherwise you are right!
 

Concrete

Registered User
Messages
24
it does say outlays included? Does that not cover what you reference? Otherwise you are right!
It just seems too cheap to include everything. I thought maybe outlays referred to the €100 or so solicitor's expenses that they all add on for phone calls/photocopying/something (do all solicitors have the worst phone plans in the world that their phone calls cost so much?!)
Do you feel like giving them a shout and letting us know? :)
 

time to plan

Registered User
Messages
264
It just seems too cheap to include everything. I thought maybe outlays referred to the €100 or so solicitor's expenses that they all add on for phone calls/photocopying/something (do all solicitors have the worst phone plans in the world that their phone calls cost so much?!)
Do you feel like giving them a shout and letting us know? :)
Try dealing with commercial lawyers. I've seen bills that break phone calls (professional time) down into 2.5 minute segments. It makes you rush through the pleasantries.
 

Paul F

Registered User
Messages
96
OK, so the borrower should live near enough to the solicitor's office.

Brendan
I asked a solicitor that I am thinking of getting to act for me for a mortgage switch if I would need to meet her in person and she said no, everything can be done by email and Zoom, etc.

So it doesn't matter that she lives far from me. It may or may not be the same with other solicitors.
 
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