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Just thought I'd share, I recently contacted BOI as I was coming to the end of my fixed rate and they offered me 3% for 5 years, 3.5% for 10 years. I told them I could do better by moving to another bank and they came back the next day with 2.8% for 5 years or 3.2% for 10 years. It seems to be...

I've a similar dilemma to the op. I bought last year and fixed for 1 year. Now I'm trying to decide between 5 years at 2.8% or 10 years at 3.2%. I paid a bit extra to fix for only 1 year last time around because the trend was still going down. It seems like its about to turn so I think the...

I took out a new mortgage with BOI last May and fixed at 3.55% for 1 year. I read your post and gave them a call but they said my break fee would be around 350. I thought it was odd because it's only another 5 months till the end of the original fixed period but I guess I'll just wait. Like...

Hi, Just wondering if anyone has had to repair a wooden fence at all recently. Mine is leaning over since the last storm and it looks like 3 of the posts need replacing. I got a quote of 900 to repair it or 1500 to replace the length (40ft). I was hoping to just repair as I'm on a tight...

I recently bought a house that has a prepay gas meter installed. Does anyone have any thoughts on whether I'm better off replacing it with a regular meter? I spoke to Airtricity a couple of months ago and they said it would cost around €280 (i think) for the new meter. I'm guessing I'm not...

Thanks, yep my previous payslips say tax basis N but since the paternity leave the say tax basis W. I'll query with my employer

Just wondering if there would be any valid reason for my PAYE to increase mid way through the year? Nothing else has changed on my payslip. I took 2 weeks paternity leave in August and took the paternity benefit from welfare so my payslip for August is different from the previous months but in...

I got my 2% today - so I drew down around 15/05 and got the cash back on 27/06. I don't know if its related but my first mortgage payment came out on 25/06.

Thanks, I'll try to remember to post when I get mine.

I recently drew down a mortgage with BOI and I'm waiting for my 2% cash back to hit my account. The t&c's say I should have the funds within 45 working days. I asked them if they could be more specific on that but they can't. I'm just wondering if anyone here has got their cash back and how...

In fairness, if you do go with BOI I think you would want to fix for at least 1 year and review the situation again in a year's time. I was weighing up the options with BOI too and I've decided to fix for 1 year and hope for a better deal next year. It's worth noting that you'll probably get a...

It probably was over the top calling mf1 out like that but I think I get where you're coming from. It's really tough looking for a house at the moment and you have to make so many sacrifices to get anywhere. I'm sure you've put a lot into this so you don't need someone without enough...

Any reason why not?

Most discussion on this forum has disregarded BOI because they weren't very competitive up until recently. I'm considering going with BOI for my mortgage and just looking for any opinions positive or negative. With a LTV >80% I could get a fixed rate of 3.55% for 1, 2 or 5 years or 3.45% for 3...