You Boys in Green Homepage YBIG Shop
Forum Home Forum Home : Other Forums : Whatever!
  New Posts New Posts RSS Feed - Mortgages
  FAQ FAQ  Forum Search   Events   Register Register  Login Login

Mortgages
 Post Reply Post Reply Page  <1 910111213 24>
Author
Message
  Topic Search Topic Search  Topic Options Topic Options
MayoMark View Drop Down
Moderator Group
Moderator Group
Avatar
The NEW angrier Freewheeler

Joined: 27 Jan 2009
Location: Castlebar
Status: Online
Points: 26322 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 9:08am
Originally posted by Baldrick Baldrick wrote:

Originally posted by MayoMark MayoMark wrote:

Just got my letter there today. Paid a little extra before fixing at 2.45% for 3 years. I am retaining the repayment amounts. Took 9 months off the mortgage

Have they let you continue to pay extra if you like? 

Yes I just wrote a one liner to them requesting that payment is not affected and to reduce the term instead and that's what they did,  
They finally did it man... They killed my f**kin' car...
Back to Top
sausy View Drop Down
Jack Charlton
Jack Charlton
Avatar
MAYO FOR SAM

Joined: 13 Jan 2009
Location: The local
Status: Offline
Points: 6980 		Post Options Post Options   Thanks (0) Thanks(0)   Quote sausy Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 11:08am
Originally posted by Baldrick Baldrick wrote:

Originally posted by MayoMark MayoMark wrote:

Just got my letter there today. Paid a little extra before fixing at 2.45% for 3 years. I am retaining the repayment amounts. Took 9 months off the mortgage

Have they let you continue to pay extra if you like? 
 
You can normally pay an extra 10% against a fixed rate mortgage without issue
Bimbos Burgers - "Official Sponsor of the Irish Squad"
Back to Top
Zinedine Kilbane 110 View Drop Down
Jack Charlton
Jack Charlton
Avatar
Man City records obsession

Joined: 20 Mar 2012
Location: Dundalk
Status: Offline
Points: 9647 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Zinedine Kilbane 110 Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 11:17am
Originally posted by sausy sausy wrote:

Originally posted by Baldrick Baldrick wrote:

Originally posted by MayoMark MayoMark wrote:

Just got my letter there today. Paid a little extra before fixing at 2.45% for 3 years. I am retaining the repayment amounts. Took 9 months off the mortgage

Have they let you continue to pay extra if you like? 
 
You can normally pay an extra 10% against a fixed rate mortgage without issue

Yeah you are normally allowed 10% per year with no penalties 

Back to Top
zizu Kilbane View Drop Down
Jack Charlton
Jack Charlton
Avatar

Joined: 23 Oct 2007
Location: Ireland
Status: Offline
Points: 8364 		Post Options Post Options   Thanks (0) Thanks(0)   Quote zizu Kilbane Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 11:25am
Originally posted by McG McG wrote:

Who you all with on your mortgage?

Fixed Ukster Bank 3 years ago at 2.4%. Have another year to go before I shop around again 
"Sometimes, sh*t happens, someone's gotta deal with it, and who ya gonna call?"
Back to Top
MayoMark View Drop Down
Moderator Group
Moderator Group
Avatar
The NEW angrier Freewheeler

Joined: 27 Jan 2009
Location: Castlebar
Status: Online
Points: 26322 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 11:28am
Originally posted by sausy sausy wrote:

Originally posted by Baldrick Baldrick wrote:

Originally posted by MayoMark MayoMark wrote:

Just got my letter there today. Paid a little extra before fixing at 2.45% for 3 years. I am retaining the repayment amounts. Took 9 months off the mortgage

Have they let you continue to pay extra if you like? 
 
You can normally pay an extra 10% against a fixed rate mortgage without issue

That's great to know, might take advantage of it, but very happy with the result of the interest change!
They finally did it man... They killed my f**kin' car...
Back to Top
Baldrick View Drop Down
Robbie Keane
Robbie Keane
Avatar
Peyton-tly Pedantic

Joined: 18 Sep 2008
Location: Ireland
Status: Offline
Points: 32789 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 11:31am
10% of your savings must go to the flag fund for availing of ybig financial consultants. 

Edited by Baldrick - 04 Feb 2021 at 11:31am
AKA pedantic kunt
Back to Top
sausy View Drop Down
Jack Charlton
Jack Charlton
Avatar
MAYO FOR SAM

Joined: 13 Jan 2009
Location: The local
Status: Offline
Points: 6980 		Post Options Post Options   Thanks (0) Thanks(0)   Quote sausy Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 12:15pm
Originally posted by Baldrick Baldrick wrote:

10% of your savings must go to the flag fund for availing of ybig financial consultants. 
 
McG is the principal behind this. He "buy low, sell marginally higher than what you paid rather than holding out for x100 gains" policy might be conservative but it is risk free.
Bimbos Burgers - "Official Sponsor of the Irish Squad"
Back to Top
Il Principe View Drop Down
Davey Langan
Davey Langan
Avatar

Joined: 30 Mar 2012
Status: Offline
Points: 961 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Il Principe Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 5:36pm
lads seriously, interest rates are at an all time low, like 0.25%

anyone paying 2.5 percent needs their head examined

the banks are the only ones laughing here

and even more so when the rates go negative which is likely to happen soon
Back to Top
Baldrick View Drop Down
Robbie Keane
Robbie Keane
Avatar
Peyton-tly Pedantic

Joined: 18 Sep 2008
Location: Ireland
Status: Offline
Points: 32789 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Baldrick Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 5:38pm
what do you propose so.  Those are pretty much the cheapest rates in Ireland currently.  So the only options seem to be is buy a house and get as low a rate as possible in Ireland or don’t buy a house.  
AKA pedantic kunt
Back to Top
Zinedine Kilbane 110 View Drop Down
Jack Charlton
Jack Charlton
Avatar
Man City records obsession

Joined: 20 Mar 2012
Location: Dundalk
Status: Offline
Points: 9647 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Zinedine Kilbane 110 Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 5:41pm
Originally posted by Baldrick Baldrick wrote:

what do you propose so.  Those are pretty much the cheapest rates in Ireland currently.  So the only options seem to be is buy a house and get as low a rate as possible in Ireland or don’t buy a house.  

I think he is proposing you write to the European Central Bank and see if they will give you a mortgage at 0.25%. 

Back to Top
McG View Drop Down
Moderator Group
Moderator Group
Avatar
SISAO? What the hell is SISAO?

Joined: 27 Jan 2008
Location: Christmas Island
Status: Offline
Points: 27003 		Post Options Post Options   Thanks (0) Thanks(0)   Quote McG Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 7:36pm
Originally posted by Il Principe Il Principe wrote:

lads seriously, interest rates are at an all time low, like 0.25%

anyone paying 2.5 percent needs their head examined

the banks are the only ones laughing here

and even more so when the rates go negative which is likely to happen soon

That’s that then.

Thanks man, I’ll write to my mortgage provider and let them know.
YBIG Table Quiz winner 2016 & 2017
AS YOU WERE McGx
Back to Top
9fingers View Drop Down
Paul McGrath
Paul McGrath
Avatar
Ballymun Resident #MONKEANO

Joined: 30 Jan 2010
Status: Offline
Points: 16144 		Post Options Post Options   Thanks (0) Thanks(0)   Quote 9fingers Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 8:48pm
Originally posted by Zinedine Kilbane 110 Zinedine Kilbane 110 wrote:

Originally posted by Baldrick Baldrick wrote:

what do you propose so.  Those are pretty much the cheapest rates in Ireland currently.  So the only options seem to be is buy a house and get as low a rate as possible in Ireland or don’t buy a house.  

I think he is proposing you write to the European Central Bank and see if they will give you a mortgage at 0.25%. 
LOL
Back to Top
BigStrongMan View Drop Down
Robbie Keane
Robbie Keane

Just Modding Like

Joined: 22 May 2009
Location: Ireland
Status: Offline
Points: 107633 		Post Options Post Options   Thanks (0) Thanks(0)   Quote BigStrongMan Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 8:50pm
Tracker mortgage 😎😎that’s all I know
PM me for all forum moderation queries.
Back to Top
AntrimMan View Drop Down
Jack Charlton
Jack Charlton
Avatar
YBIG's resident Nordy/London Hipster

Joined: 16 Oct 2007
Location: Christmas Island
Status: Online
Points: 9454 		Post Options Post Options   Thanks (0) Thanks(0)   Quote AntrimMan Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 9:01pm
Originally posted by Zinedine Kilbane 110 Zinedine Kilbane 110 wrote:

Originally posted by Baldrick Baldrick wrote:

what do you propose so.  Those are pretty much the cheapest rates in Ireland currently.  So the only options seem to be is buy a house and get as low a rate as possible in Ireland or don’t buy a house.  

I think he is proposing you write to the European Central Bank and see if they will give you a mortgage at 0.25%. 

Dont be ridiculous.

The obvious thing to do is set yourself up as a bank, write to the ECB to avail of those negative Euribor rates and yes, that's right, the Bank will pay you to own a house.

It's easy. They're making mugs of you! Wake up Sheeple. Etc.
@AntrimMan85
Back to Top
Artie Ziff View Drop Down
Ray Houghton
Ray Houghton
Avatar

Joined: 10 Oct 2007
Status: Offline
Points: 3619 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Artie Ziff Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 10:14pm
Originally posted by sausy sausy wrote:

Originally posted by Baldrick Baldrick wrote:

10% of your savings must go to the flag fund for availing of ybig financial consultants. 
 
McG is the principal behind this. He "buy low, sell marginally higher than what you paid rather than holding out for x100 gains" policy might be conservative but it is risk free.

LOL  

A prudent investor who annually likes a snifter of porter of a Christmas Eve 
It would damage this forums' reputation
Back to Top
BigStrongMan View Drop Down
Robbie Keane
Robbie Keane

Just Modding Like

Joined: 22 May 2009
Location: Ireland
Status: Offline
Points: 107633 		Post Options Post Options   Thanks (0) Thanks(0)   Quote BigStrongMan Quote  Post ReplyReply Direct Link To This Post Posted: 04 Feb 2021 at 10:18pm
Originally posted by sausy sausy wrote:

Originally posted by Baldrick Baldrick wrote:

10% of your savings must go to the flag fund for availing of ybig financial consultants. 
 
McG is the principal behind this. He "buy low, sell marginally higher than what you paid rather than holding out for x100 gains" policy might be conservative but it is risk free.
LOL
PM me for all forum moderation queries.
Back to Top
sausy View Drop Down
Jack Charlton
Jack Charlton
Avatar
MAYO FOR SAM

Joined: 13 Jan 2009
Location: The local
Status: Offline
Points: 6980 		Post Options Post Options   Thanks (0) Thanks(0)   Quote sausy Quote  Post ReplyReply Direct Link To This Post Posted: 05 Feb 2021 at 8:27am
Originally posted by BigStrongMan BigStrongMan wrote:

Tracker mortgage 😎😎that’s all I know
 
Costing the Bank money there. Shame on you.
Bimbos Burgers - "Official Sponsor of the Irish Squad"
Back to Top
Claret Murph View Drop Down
Paul McGrath
Paul McGrath
Avatar
Hmmm, Goodness, I must say

Joined: 16 Apr 2009
Location: Tibet
Status: Offline
Points: 15748 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Claret Murph Quote  Post ReplyReply Direct Link To This Post Posted: 05 Feb 2021 at 8:56am
Originally posted by sausy sausy wrote:

Originally posted by BigStrongMan BigStrongMan wrote:

Tracker mortgage 😎😎that’s all I know
 
Costing the Bank money there. Shame on you.
Yep in the same boat as paying 0.9% .
Lansdowne Road debut aged 52 and 201 days .
Back to Top
 Post Reply Post Reply Page  <1 910111213 24>
  Share Topic   

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 12.00
Copyright ©2001-2018 Web Wiz Ltd.