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@Brendan Burgess Thanks Brendan, you are totally correct. Good info thanks.

@luckystar Thanks for the response. Yes combined is enough to qualify for €297,500. Perhaps id be better of paying the minimum repayment and having a longer term on my current mortgage allowing me keep the 2.3% for longer ? I wouldn't mind the longer term, we are 35 & 32 so i would be ok...

Hi Some impartial advise needed on the topic of moving house when currently fortunate enough to be on a tracker with BOI. Below is is my situation €420,000 Current home valuation €160,000 owed on 1.3% interest rate (€960 per month) I am currently overpaying making payments of €1400 to lower...

@Brendan Burgess Thanks, Yeah think that is what i will do. I really do value your help.

Solid advise @Brendan Burgess. I suppose i am a very debt averse person and have my heart set on being mortgage free before im 40, 6 years to go so perhaps i should be less concerned about that and more concerned about having the most valuable asset at the end of the term. What would be your...

Ok Great, If my proposed plan was to be put in motion i would pay 2.3 for 5 years and a higher rate of possibly 3% for the remaining year. That wouldn't be the worst. Thanks for the help @RedOnion and @odyssey06.

@RedOnion Bank of Ireland.

Good morning I was wondering if it was possible to retain your tracker when you sell your current home and buy a new property. I will give you a brief run down of an example situation. Value of current house €450,000 Outstanding mortgage €185,000 18 years left Equity €265,000 Purchase new...

Ok @MichaelT . Thanks for the feedback . I hope you have a very happy Christmas. You too @maunie !!

Hmm yeah i got €250 for legal and never missed a payment... sent back my acceptance letters signed on Friday so hoping for funds thIs side of xmas !! How long were you waiting on the transfer of funds @MichaelT ?

Delighted for you @WackoJacko !!! yeah that's brilliant news !! We are all like kids waiting on Santa !!! I rang them again yesterday and was told they are confidant the redress letters will be issued by 28/12/2017.

We all get different answers, it depends on who you get on the help line... I dont think any one would have an issue with it taking X amount of time as the calculations do seem complex but this attitude of it will come when it comes i think people are finding the most frustrating... running to...

Here's hoping @Threadser .... Thanks for your reply.

Hi Guys, No never missed a payment... Wrong information ? Hardly from the Bank of Ireland lol... Ah right that makes more sense to have the option. Also @Threadser delighted for you that you got your refund. Would love to know the time frame from initial letter stating your account would be...

Morning Guys I have been following the threads since getting my letter to tell me i was included in the tracker issue. i received the letter 24/11/2017 so i said i will give BOI a week and ring them each and every week for an update. So i called Kerry this morning for an update and was told...