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My primary residence is a fully refurbished period property in a sought after area. Worth €700K ish. Live in the house 10 years and very happy. I have my mortgage with Ulster Bank. 2 yr fixed at 2.3% with fixed period due to end December 2021. Current balance circa €220K with 17 years...

Sell or keep rental property. I own a rental property in a large town. Purchased the house in 2003 for €140K and spent €40K on renovations in 2010. Rented on RAS scheme to the same tenants for the last 8 years. They are good tenants and I have had few problems. House value circa €170K...

I own a rental property which is rented to a tenant/County Council under the RAS Scheme since 2011. I would like to enquire about the process of ending the tenancy and in particular the notice period required etc. I am considering the option of selling the property at some stage over the...

I have my mortgage with Ulster Bank. 2 yr fixed at 2.3% with fixed period due to end December 2021. Current balance is €230K. House value circa €700K with 17 years remaining on the mortgage. Age 40. I had originally planned on fixing the mortgage this coming December for 5 years at 2.35% with...

I’m guessing the “reason” is the property is not planning compliant as it stands and as a result, I am presuming not possible to get an investment mortgage on it. Hence, why I am seeking advice on other possible ways I could fund this purchase if after due diligence, it seems like a runner.

Its a private treaty sale. I wonder would it be possible/advisable to release some equity by remortgaging my own home? Or could I get a Credit Union loan to cover some of the purchase. The figures seem strong for a rental property.

Age: 39 Spouse’s/Partner's age: 43 Annual gross income from employment or profession: €85,000 Annual gross income of spouse: €30,000 Monthly take-home pay Type of employment: Me: Public Servant. Partner: Civil Servant. In general are you: (a) spending more than you earn, or (b) saving...

I would avoid going with fixed rates as you run the risk of a breakage fee if there is a change in interbank rates. PTSB were the only bank that wouldn’t offer me approval unless I went fixed. I chanced it and luckily for me there was no change of rates so I was gone to the next bank before...

Inspired by the cashback thread and Sean Og, I set about switching my mortgage multiple times to a)make some money on cashback and b) end up on a lower mortgage rate with Ulster Bank at the end of the switching process. My original mortgage was with EBS:€250K mortgage with 24 years left to pay...

This is such an inspirational case study, that I have copied it in full to this thread Brendan Inspired by the cashback thread and Sean Og, I set about switching my mortgage multiple times to a)make some money on cashback and b) end up on a lower mortgage rate with Ulster Bank at the end of...

Am I better to A) break out of the fixed rate today and go onto their high interest variable, wait for the cash back to hit my a/c, then move immediately? or B) don’t wait for cashback to come and move immediately. Can anyone confirm for certain, I will receive the cashback if I move before it...

Can we be absolutely sure of this? Does the EU mortgage directive specifically protect me here and if so where does it say it? If so, I’m happy to move immediately to avoid any breakage fees. I don’t want to risk the cashback after all this work though! Has anyone here moved before the...

Because I had switched my mortgage 18 months previously, PTSB would only take me if I signed up for the 5yr fixed.

How long ago was that Username? I phoned PTSB and they told me it can’t be sped up and for most it’s now taking close to the 40 working days to get the cash-back.

I am now on move 2 of my 4 bank mortgage switch plan within 6 months. Move 2 is with PTSB. I had to sign up for a 5 year fixed rate for them to accept me. All other banks agreed to take me on a variable rate. I will be moving on from PTSB as soon as the cash back hits my account. I...

Will this cause a difficulty for bank 3 or bank 4? ie that they approved me for a mortgage expecting me to be with x bank but then it turns out Im actually currently with y bank?

I have approval from the 4 banks I intend switching to and have succeeded in getting the cash-back in bank 1 so currently making the move to bank 2 and have 5 months left to achieve the next 3 switches. I have a query re how serial switchers deal with this loan condition: “Prior to drawdown of...

I bought the 150 bhp car in the end. There was a noticeable difference when test driving. Thanks for the replies.

I am in the process of buying a 182 Audi A4 and am looking at 2 demo/ex service cars. One of the cars is 2 litre TDI 122 bhp 50th Edition Manual and the other is similar except it is 150 bhp. I prefer the colour and look of the 122 bhp car but am concerned it might lack a bit of spark. The 150...

Thanks for your help. The liklihood of a rate drop is very low so I’ll plough on if they offer the money under the 5 year fixed when it’s highly unlinkely there will be a break fee. Let’s hope they facilitate me breaking out of the fixed rate in a timely fashion when and if I get to that stage...