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  1. M

    RPZ exemption 'substantial change' in the nature of the accommodation

    Thanks for the response, we'll probably sell up so. I'll call the PRTB tomorrow to see if they'll give me any assurances, but I'm not expecting much.
  2. M

    RPZ exemption 'substantial change' in the nature of the accommodation

    I'm a landlord with a house in a Rent Pressure zone that is getting rental income of €1,300 when similar properties are advertised for €2,500. I'm thinking of serving the tenant notice and applying for a substantial change exemption. I can meet 3 of the criteria for the exemption if I convert a...
  3. M

    Mortgage Protection; Where to look for the best option?

    I've tried loads of them over the years but BeatTheBank.ie have been the most efficient and cheapest in my experience.
  4. M

    Raisin Deposit - how safe are these?

    Hi there, I'm about to deposit approx €95k via Raisin.ie with Privatbanka from Slovakia. It stats that deposits are fully guaranteed by the Slovak Deposit Guarantee Fund (Fond ochrany vkladov) for amounts up to €100,000. My question is does this mean that my deposit is risk free as long as...
  5. M

    Bank of Ireland Now Paying 2.5% for Children's Savings Account - max €5,000

    Where did you hear that? I was just about to open with them, but no way will I bother if they are reducing this to 1%
  6. M

    Bank of Ireland Now Paying 2.5% for Children's Savings Account - max €5,000

    Digging up an old thread here, but just wondering is there anything to stop me setting this up in my child's name and just closing the account and therefore withdrawing the funds when needed??
  7. M

    Minimum Valuation price

    I had a condition similar to this with KBC recently, when I queried it the mortgage advisor said not to worry once the valuation amount came in above the LTV band I was applying for. I think the amount on the condition on the loan offer just matched the amount I put in the application form for...
  8. M

    Key Post I switched 4 times in 6 months

    Sorry to triple check on this Sean Og, but I have approval from EBS and KBC. I have just moved to EBS and once I have the cashback I was hoping to move to KBC but my solicitor felt that as KBC requested the up to date redemption letter, that this would mean we could not complete the double...
  9. M

    Double switch

    Just an update on this, I didn't think EBS was going to approve my mortgage application as they added a condition that they wanted 12 months of mortgage statements with my previous lender BOI to my approval in principle. So I thought that EBS was not an option and I completed another switch back...
  10. M

    Ulster Bank Unsustainable Mortgage

    You are not a failure just trying to do your best for your family. Consider speaking with Mabs? They give free advice and seem to have a lot of experience with negotiating with banks. https://www.mabs.ie/en/how_we_help/how_we_help.html
  11. M

    PTSB Increase Current Account Maintenance Fees for some

    KBC Extra current account appears to be free also once you lodge 2,500 per month, so I think I'll move there, they have a monthly savings account of over 2% too, which is one of the highest around.
  12. M

    PTSB Increase Current Account Maintenance Fees for some

    Got that letter today too! So if I keep €2,500 in the account every day it's free! Otherwise €18 a quarter. I'll be switching so, quick look at bonkers tells me EBS have a free current account so I'll be signing up to that!
  13. M

    Ulster Bank typo - gives me 2.3% for three years instead of two

    Ahhhh ok, thanks for the explanation! That's great news still though, I thought two years meant two years!!
  14. M

    Ulster Bank typo - gives me 2.3% for three years instead of two

    So just last week, II switche to Ulster for 2 years at 2.3%, when I log on to the inet banking now it says current deal ends 31/3/21. I would love to lock that in as it suits our circumstances and obviously get €250 would be nice too! I presume I should wait for the call? Has anyone contacted...
  15. M

    Bank of Ireland quoting lower rates than their rate card?

    Just so you are aware, we took the 2.8% with BOI last July. We've called them loads quoting the 2.3% with Ulster and they finally offered 2.7% but we didn't take it, as we decided to move to ulster. This was in the last month, I think it was for 1-3 years but it was higher for a 5 year fix.
  16. M

    Double switch

    I had one more cashback offer to avail of with EBS as I had already been with PTSB & BOI before landing with Ulster's 2.3%. My plan was then to apply to both Ulster & EBS and complete the double switch. However when I got the loan approval in principle from EBS it contained a condition that I...
  17. M

    Double switch

    Super stuff!! Thanks for the info!!
  18. M

    Double switch

    Hi Sean Og, Sorry I wasn’t clear, what I mean is the legal paperwork, surely would that not state who the mortgage is moving from and that wouldn’t match the bank whose details you provided getting the approval? I will be following this advice as soon as possible!! Thanks!!
  19. M

    Double switch

    Wow!! That’s a great plan! My only question is that on the paperwork will the new bank not notice that your current bank has changed?! Let us know how you get in with all the moves!
  20. M

    Double switch

    Depending on the size of your mortgage of course, I can't imagine that 6 months of interest with EBS at 3% (versus 2.3%) could really negate the benefit of the cash back. I'm planning on doing this exact switch in the coming months & will need to pay approx 600 euro extra in interest over the 6...
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