I assume the following is not possible?
Married couple, now one (good) income. Public servant,€50k
Outstanding mortgage of €288K, NO other debt. (C.C's, car loans, personal loans etc)
On fixed rate of 4.75% until next may. Current mortgage provider not giving the best rates compared to other banks at the moment.
If my current mortgage provider does not offer me what I consider to be a good rate next may, would another mainstream bank offering the most competitive rate entertain the idea of transferring the mortgage, in order to get the best rate going?
I want to get working on this now so I can be in a position to say to my current provider that I have options if they wont give me a good rate.
Also, are trackers a thing of the past? or could existing mortgage holders still obtain one?
Mortgage is 6 years old, never missed any payments, but was originally a joint, 2 income application. Also, house prices in the area have nosedived, obviously, but a neighbouring property was sold this month for €275k, & anyway we have no plans to move at all.
Your thoughts please, thanks,
PCOCP.
Married couple, now one (good) income. Public servant,€50k
Outstanding mortgage of €288K, NO other debt. (C.C's, car loans, personal loans etc)
On fixed rate of 4.75% until next may. Current mortgage provider not giving the best rates compared to other banks at the moment.
If my current mortgage provider does not offer me what I consider to be a good rate next may, would another mainstream bank offering the most competitive rate entertain the idea of transferring the mortgage, in order to get the best rate going?
I want to get working on this now so I can be in a position to say to my current provider that I have options if they wont give me a good rate.
Also, are trackers a thing of the past? or could existing mortgage holders still obtain one?
Mortgage is 6 years old, never missed any payments, but was originally a joint, 2 income application. Also, house prices in the area have nosedived, obviously, but a neighbouring property was sold this month for €275k, & anyway we have no plans to move at all.
Your thoughts please, thanks,
PCOCP.