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Just adding my 2 cents here, I switched to EBS early this year from BOI. Was on SVR in BOI so along with the cashback it made sense for me to change at the time. I have been in contact with my local EBS manager asking the question about the rates and he advised that their is a big EBS meeting...

Thanks Brendan

We are in a fortunate position whereby we are looking to overpay our mortgage by a small amount. I have been in contact with my local BOI branch advising them of this and that I want to take the overpayment off the principal and keep the term the same. However they have advised that "To achieve...

Hi tea4one, With us we were given the full amount and any surplus was up to us to decide what we wanted to do with it.

Just an update here. For the last couple of we have had issues with our house insurance policy address not matching the mortgage application but after a bit of tooing and frowing my solicitor advised that they should have the funds tomorrow. They will pay the balance to BOI and it all begins...

Just wanted to give me experience of switching as I found some of the other posts very interesting. I have used steelmans post to lay it out in the same fashion. Thanks steelman Was with BOI (previously ICS) since 2008 Was on various fixed and variable rates during that time. In September 2015...

Just wondering what are peoples opinions on fixing now, I have the option of fixing with BOI 2 Year Fixed LTV <80% @ 3.6%. I am currently on 4.5%. At this stage am I better off seeing what comes of Michael Noonan's review next month before doing anything??

Would anyone have a template of a letter they sent to their local T.D's that they could PM me. Would like to see what I should be putting in a letter to highlight this issue.

Brendan, Just to confirm is it new business only for both BOI and ICS???

I find this really infuriating, the ECB reduces its rates a few weeks ago and now ICS decides to up it's variable rate by the same amount. Is this the banks way of balancing out the decrease on the trackers by hitting the hard pressed people on variable rates. I know people say that it was the...

I have my Sky Box in the attic feeding into a distribution amplifier sending the signal to 3 tv's in the house. I have 2 saorview compatible tv's and I now want to send the signal from the aerial in the attic to these tv's on the same coax. I have plugged the aerial into the sky box aerial in...

Does anyone know what the SVR for ICS is currently? We are due to come off a fixed rate in the next couple of months and would like to know what the difference is going to be. They don't seem to share this info on the net anywhere.

I am nearly finished my new build (Thank GOD!!!). I have the appliances etc coming next week to be fitted in the kitchen but it will probably be another 3 weeks before we move in. I have been looking at house insurance and it seems you can only get cover if you are living in the house, does...

We were advised to put in the perimeter insulation as well by our heating company. There reasoning was to do with thermal bridging where the heat would hit the cold external wall and try to heat that up as well which takes heat from the floor. As baldyman27 said it's not a major expense so will...

Thanks kemosabe, I will give them a call later on. I was speaking to 3 people who have it in, 2 were very happy after initial teething problems and the other was still a bit sceptical about it.

Kemosabe, EM will be installing the Altherma for me in a few weeks and I was wondering where did you hear about the new version. As far as I know I am getting the seperate indoor and outdoor unit and was wondering should I get back onto EM to see if I can change it.

Re: Plastering prices??? Got a quote for 14k labour to plaster my 2700 sq ft house and 216 sq ft garage. The externals of the house are to be done with white painted plaster. This price is for labour only - just wondering how does that price sound in todays climate??

To be honest thats what I was thinking myself. The way I look at it is that there is only going to be myself and the missus in the house for the next while so why should we bother heating the whole house when we will probably use only 3-4 rooms. I have gone back to them and told them that I want...

It is for underfloor heating

I am at the stage where I am chasing the walls in my house for the electrics. I gave the electrician the booklet I got from my heating crowd (UFH up and down). He has pointed out to me that there is only 5 stats in the whole house. 4 in the bedrooms upstairs and 1 in the hall downstairs, i...