Key Post Tips for switching your mortgage

mojoask

Frequent Poster
Messages
73
I believe they all do yes (can personally confirm BOI, PTSB and EBS do)
Thanks, I got similar confirmation from the bank, however my solicitor is claiming this outside of his control, and therefore cannot give this undertaking. Given the bank even suggested this, is my solicitor is in the minority, does anyone have similar experience?
 

Coldwarrior

Frequent Poster
Messages
148
Thanks, I got similar confirmation from the bank, however my solicitor is claiming this outside of his control, and therefore cannot give this undertaking. Given the bank even suggested this, is my solicitor is in the minority, does anyone have similar experience?
Bank did advise me on my first switch to make sure solicitor is willing to provide the undertaking, mine was and said it's fairly standard but I got the impression from the mortgage advisor that they often encountered solicitors who won't do it. I'd get a different solicitor, no point getting a new mortgage/life protection policy just to work around the solicitor being awkward.
 

Reflections

Registered User
Messages
30
Hi,

I'm in the process of switching my mortgage from AIB to UB and was informed last night by my solicitor that I will require a Certificate of Exemption as I had a small extension built in 2010. I was under the impression that you only needed this if you were selling the house. Can anyone advise if this is required for switching??

Thanks
 

misemoi

Frequent Poster
Messages
123
Hi,

I'm in the process of switching my mortgage from AIB to UB and was informed last night by my solicitor that I will require a Certificate of Exemption as I had a small extension built in 2010. I was under the impression that you only needed this if you were selling the house. Can anyone advise if this is required for switching??

Thanks
We had to get it for switching. No harm to have it, it cost a couple of hundred if I recall.
 

Reflections

Registered User
Messages
30
We had to get it for switching. No harm to have it, it cost a couple of hundred if I recall.
Thanks for the feedback. Looks like I need to get this done so. Its just another expense that I didn't factor in when starting the switching process.
 
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