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  1. J

    AIB won’t take husbands overtime into account for calculating mortgage amount

    Thanks for the input luckstar. We will definitely do that. The lady we are dealing with is also really nice and I can tell she is doing her best but seems to have a strict criteria to stick too. We were just told verbally on the phone today so will wait until the paperwork comes out and will go...
  2. J

    AIB won’t take husbands overtime into account for calculating mortgage amount

    Hi RedOnion Tracker original margin is 1% so they are adding on an additional 1% if we move it. The new rate will be 2.1% with current ecb rates I think. We can move approx €219k to the new tracker rate (over a term of 24 years) and the remainder of the loan will be over 30 years at variable or...
  3. J

    AIB won’t take husbands overtime into account for calculating mortgage amount

    Hi there looking for some advice in relation to our mortgage app. We currently have 2 mortgages with AIB. One is a rental property and one our PPR. The rental property has a tracker mortgage and PPR has variable rate mortgage. We are selling up to move closer to family and work for a better...
  4. J

    EBS EBS giving 500 people back their trackers!

    That is interesting thanks Pearl. I wonder if this will come up with SC. Everyone’s draw down date will differ so could end up being different arguments depending on drawdown date!?! Mine was July 2008
  5. J

    AIB AIB restoring my tracker - but at 3.67%!

    Hi Bungaro I’ll send u pm now too. I am one of the numbers who has been offered the new 3.67% rate by AIB. I intend on responding to the bank again on this but not sure what line others are going down. They advised I could take to the ombudsman in their 5 page letter but my understanding is that...
  6. J

    Should my mortgage be included in AIB tracker review

    Thanks neverever. I came out of fixed rate in April 2012 so I'm just under the timeframe. I will definitely open an FSO complaint so. They are being so sneaky, it's unbelievable. And the letter they wrote to me is 3 pages of rubbish to be honest!! I think they have set out to try and confuse...
  7. J

    AIB AIB restoring my tracker - but at 3.67%!

    Balfour mine says 3.67% too - apologies that was a typo :) Neverever I'm sure my contract has that exact wording also. Will double check later when I'm home
  8. J

    AIB AIB restoring my tracker - but at 3.67%!

    Hi there I got the same letter yesterday offering me tracker rate of 3.64%. I'm just wondering if any of you have gone to the FSO or what was your next step?
  9. J

    Should my mortgage be included in AIB tracker review

    Thanks for responses. I am going to respond to AIB with further questions before submitting my complaint to FSO. Would love to hear from anyone else in similar situation who has been or is gong through this process.
  10. J

    Should my mortgage be included in AIB tracker review

    Hi there So I have received an update from AIB....the letter is a few pages long but in short I think they are stating that when I came off my fixed rate in 2012 tracker mortgage was not a product and therefore it was not given as an option. But they say 'in cognisance of my case they are now...
  11. J

    Should my mortgage be included in AIB tracker review

    In section 3.64 of my contract it states the tracker rate will be made of 2 parts (A) the ecb rate and (B) the tracker margin as stated in part 1 of the particulars of the mortgage loan In part 1 it states the margin is 0.00% So I take it that if they were offering me a tracker rate it would...
  12. J

    Should my mortgage be included in AIB tracker review

    Thanks peemac for your response. Definitely something to consider. My mortgage contract stated that at the end of a fixed period I would be given the 3 options. It didn't state that this would only happen once and then I would lose the opportunity to avail of option c( the tracker option) in...
  13. J

    Should my mortgage be included in AIB tracker review

    hi there Background to my situation Took out mortgage with AIB in April 2006. My offer of mortgage loan under the heading 'applicable interest rate' stated the following .... 2.9% fixed for 1 year after which the rate will revert to the banks variable interest rate, unless borrowers avail of...
  14. J

    Would we get mortgage approval if we keep rental property ?

    Thanks so much for all the responses...it's good to have an outsiders view on things Thanks again
  15. J

    Would we get mortgage approval if we keep rental property ?

    Thanks so much for the responses. The location of apartment is Dublin 15... close to hospital, BIT, shopping Centre and industrial estate. The mortgage repayments monthly are €119 and €777 per month - 896 total. When we bought the apartment we rented out the house and lived in the apt from...
  16. J

    Would we get mortgage approval if we keep rental property ?

    Hi there Myself, fiancée and 2yo child are from Dublin but are currently living in a house we own outside Dublin. We all commute to Dublin city Centre 5 days per week which is starting to have a huge effect on our health mentally and physically so we have decided we need to make a change. It is...
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