BlackHound
New Member
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Hi,
We are first time buyers (FTB) (actually planning to build)
and looking at the different rates available at the moment.
We have spoke to Bank of Ireland, AIB and EBS at this stage.
We plan to build a home at least with a B3 BER.
Looking at the rates, I can't understand why I wouldn't go with AIB, maybe I am missing something, and that is why I am posting here.
Anyone thinking otherwise, or got reasons of why I would go with one of the others?
Thanks in advance!
We are first time buyers (FTB) (actually planning to build)
and looking at the different rates available at the moment.
We have spoke to Bank of Ireland, AIB and EBS at this stage.
We plan to build a home at least with a B3 BER.
Looking at the rates, I can't understand why I wouldn't go with AIB, maybe I am missing something, and that is why I am posting here.
Anyone thinking otherwise, or got reasons of why I would go with one of the others?
Thanks in advance!
Banks | Years Fixed | Fixed Rate | APRC | Cash Back? | Comments |
AIB 3 Year Fixed | 3 | 2.45% | 2.88% | No for FTB | |
AIB 5 Year Fixed | 5 | 2.45% | 2.81% | No for FTB | |
AIB Green 5 Year Fixed | 5 | 2.15 | 2.69% | No for FTB | Green = with a BER rating between A1 and B3 |
EBS | 5 | 2.90% | 3.40% | 2% upfront and 1% in 5 years | |
Bank of Ireland | 5 | 3.00% | 3.70% | Get 2% of your new mortgage back as cash after you draw down your mortgage If you have a Bank of Ireland current account, an additional 1% of your mortgage back in cash in five years’ time (subject to meeting the conditions of the mortgage). | |
Bank of Ireland - Green Info | Green = with a BER rating between A1 and A3, discount of 0.20% off any of our fixed rate options ranging from 1 to 10 years. Drawdown by 30th June '21 |