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Current lender: ICS Outstanding mortgage balance (how much you still owe): 326.5k Approximate current value of your property: 591k The date you started your fixed-rate mortgage (month and year): NOV 2022 How many years you fixed for: 3 Your current mortgage interest rate: 3.75% Your current...

Amazing reply Paul, thank you. For the ICS break fee I have the formula they use here: https://uploads.icsmortgages.ie/general/CP124_Fixed_Rate_Breakage_Fee_Policy_08.12.21.pdf?mtime=1638973930 If I get any quote from them I will let you know. I'd switch before that 4.75 kicked in, taking BOI at...

I see BOI are raising rates by 0.75% now anyway.

I was never told about it. I went to check the terms of business I was sent at the outset now but no mention of it anywhere. Perhaps there is some other document they sent or that I signed that has it, hmm. Probably be worth it to save €300pm anyway.

Thanks, so funds were released on 8th Nov. Taking the 3 year swap and seems the rate was ~2.9 (can't tell it just shows 7th and 9th) then and is ~3.05 now so the formula is something like: A x (B%-C%) x D / 365 336000 * (2.9/100 - (3.05/100)) * 1019 / 365 = -1407, so 0? Even if I take B as...

I just started a mortgage and want to look into switching when I can as the rate is poor, their rates available now have also gone up 1% since mine started. Current lender: ICS Outstanding mortgage balance (how much you still owe): 336k Approximate current value of your property: 591k The date...

Yeah no outside space at all, looks like bags and tags it is which is annoying but will have to do!

If you buy a house in Dublin City Centre, what do people do in terraced houses with no outside space at back and the front opens onto the footpath? There is nowhere to store them? Are they allowed to use tagged bags, I never see any around?

Thanks!

€335k loan with EBS. 2.1% 4 years: Cost after 4 years €60,080.64, €15k per year. 2.75% 3 years 2% cashback: Cost after 3 years €49,016.52 - €6700 -> €14.1k per year 2.75% 5 years 2% cashback + 1% after 5 years: Cost after 5 years €81,694.2 - €10,050 -> €14,328.8 per year Then switch mortgage...

€335k loan with EBS. 2.1% 4 years: Cost after 4 years €60,080.64, €15k per year. 2.75% 3 years 2% cashback: Cost after 3 years €49,016.52 - €6700 -> €14.1k per year 2.75% 5 years 2% cashback + 1% after 5 years: Cost after 5 years €81,694.2 - €10,050 -> €14,328.8 per year Then switch...

My insurance is covered by work. I am currently on the Be Fit 2 plan and was wondering was there a better plan for the price (or say up to €1600) if anybody knows? I realise that is a hard question as peoples circumstances differ. For some background, 29, single, healthy male in dublin city...

I was wondering what might increase these? Originally my solicitor said the cost for application would generally be 2600 + tax unless there was extra work they had to do, what might this include? She wrote my application, sent a letter requesting liability confirmation and arranged medicals. I...