Mortgages |
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nvidic
Moderator Group Joined: 03 Aug 2010 Status: Offline Points: 18937 |
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Any time, but break fee is lower the longer you go on. Best time to fix was a week or two ago, second best time is probably now. We tried to scramble and fix with Avant yesterday before rates went up, but couldn't get it done in time.
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Baldrick
Robbie Keane Peyton-tly Pedantic Joined: 18 Sep 2008 Location: Ireland Status: Online Points: 32495 |
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Fixing for 3 years I think with current provider. Was thinking 5 years but likely to making adjustments in 3 years so safer to go with 3. Although I can’t see rates been as low as they have even for a long long time.
Saying that Lane doesn’t believe that the reason for inflation are an overheating of the economy and are caused by exernal influence to the European economy such as COVID and the invasion of Ukraine.
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AKA pedantic kunt
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MayoMark
Moderator Group The NEW angrier Freewheeler Joined: 27 Jan 2009 Location: Castlebar Status: Online Points: 26271 |
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Yeah I upped payments and fixed for 5 but was considering 3. But feck it I'm happy enough now and when the 5 years passes the mortgage will be very small so interest rates are a little less important at that stage
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They finally did it man... They killed my f**kin' car...
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Baldrick
Robbie Keane Peyton-tly Pedantic Joined: 18 Sep 2008 Location: Ireland Status: Online Points: 32495 |
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Would have went 5 myself only for personal circumstances
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AKA pedantic kunt
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26155 |
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Anyone know the quickest way to retrieve/ get your BER rating?
Sent a message to Seai but got nothing from them.
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MayoMark
Moderator Group The NEW angrier Freewheeler Joined: 27 Jan 2009 Location: Castlebar Status: Online Points: 26271 |
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Local assessor. Don't need to go to seai
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They finally did it man... They killed my f**kin' car...
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26155 |
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Got sorted. Was B3 so was able to get the green mortgage. Peace of mind now that it's fixed plus 100 quid less a month than I was paying.
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MayoMark
Moderator Group The NEW angrier Freewheeler Joined: 27 Jan 2009 Location: Castlebar Status: Online Points: 26271 |
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Great timing too
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They finally did it man... They killed my f**kin' car...
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26155 |
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Yeah true. I had sent the mail 2 weeks ago and was waiting to hear back. Was actually planning to ring them today to follow up, was worrying if i was being put on long finger because rates were going up. But letter arrived today with the updated terms
Edited by t_rAndy - 16 Jun 2022 at 9:58am |
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Fitzinho
Kevin Kilbane Joined: 10 Aug 2011 Location: Dublin Status: Offline Points: 479 |
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I had fixed for a year in early 2021 @2.9% but got the 2% cashback. End of 2021 I moved my mortgage to a different bank, got another 2%.
Just phoned that bank to check on breakage fee's, they have none due to the present likelihood of rates increasing, so 6 months after joining them and taking the 2% I've started the process of rejoining bank 1 and claiming another 2% cash back.
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sausy
Jack Charlton MAYO FOR SAM Joined: 13 Jan 2009 Location: The local Status: Offline Points: 6943 |
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Does the Bank have and reclaim clause on the 2% if you move within a certain period?
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Bimbos Burgers - "Official Sponsor of the Irish Squad"
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9fingers
Paul McGrath Ballymun Resident #MONKEANO Joined: 30 Jan 2010 Status: Offline Points: 16073 |
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We did something similar and locked ours in for 5 years but kept payments at the same level and have shortened the mortgage by 4 years
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26155 |
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They never actually asked me about that. I wasn't sure what way it would work would it be reduced payment or same but reduced years. Would probably have preferred to do it your way. Our current plan would be let's see what it's like in 5 years and see if there is a way to start clearing it off earlier
Edited by t_rAndy - 16 Jun 2022 at 12:38pm |
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9fingers
Paul McGrath Ballymun Resident #MONKEANO Joined: 30 Jan 2010 Status: Offline Points: 16073 |
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If it’s with AIB, it’s a separate process but can be done at the same time or before or after. Go on their website you’ll find what you need
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Fitzinho
Kevin Kilbane Joined: 10 Aug 2011 Location: Dublin Status: Offline Points: 479 |
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Not on the cashback no, none of them do it seems. I'll triple check the contract but I can't see anything which suggests so at the moment and there are articles on switching online which suggests the banks don't do it.
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Shedite
Jack Charlton Joined: 09 Dec 2011 Status: Offline Points: 9795 |
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Lenny82
Liam Brady Joined: 20 Aug 2010 Location: Ireland Status: Offline Points: 2914 |
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Have just done exactly this, though with a small uplift in monthly payments.
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colemanY2K
Roy Keane Fresh minty breath Joined: 01 Mar 2010 Location: London Status: Offline Points: 14959 |
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"Some experts warn that spray foam home insulation could lead to some properties being virtually unsellable" while the clip below relates to NI its something to be aware of. note the issue only applies to cold roofs. Edited by colemanY2K - 01 Aug 2022 at 12:54pm |
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"One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942.
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