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I am a FTB with AIP from BOI and Avant.
I want to fix for 4 years. My options are BOI @ 3.65% Green or Avant @ 4%. BOI would be c. €100 cheaper per month.
I read the key post and noted Brendan's advice to avoid BOI/PTSB as they are unlikely to be good value over entire term.
Indeed, BOI's variable follow on rate currently is 4.2% for existing customers. Avant's is 3.95%.
I am reluctantly going to go with Avant and pay the higher rate for four years as I am concerned about having to switch in 4 years. Circumstances could change.
Is my logic sound here?
I want to fix for 4 years. My options are BOI @ 3.65% Green or Avant @ 4%. BOI would be c. €100 cheaper per month.
I read the key post and noted Brendan's advice to avoid BOI/PTSB as they are unlikely to be good value over entire term.
Indeed, BOI's variable follow on rate currently is 4.2% for existing customers. Avant's is 3.95%.
I am reluctantly going to go with Avant and pay the higher rate for four years as I am concerned about having to switch in 4 years. Circumstances could change.
Is my logic sound here?