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I would save €9 a month for the pleasure of being locked in. I won’t even think of fixing until rates are below 2%.

Don't fix just yet, seems the media aren't getting the rate rises they crave so much, . 9 months of hysteria for nothing.

It would seem that Finance Ireland are not going to undercut existing lenders, yet they intend to target borrowers with a prime credit rating. I am confused as to how prime borrowers can be lured to them if there are cheaper rates elsewhere. Surely a cheaper rate is needed to entice prime borrowers.

I still wouldn't be over concerned about Irish banks raising their rates, whist they will obviously hike trackers I think the variable and fixed rates might be left alone to allow them to gradually come in line with the rest of the eurozone.

I remain unconvinced that there is a prospect of an interest rate rise by the ECB in the short term, the fact that some banks such as Ulster are offering sub 3% fixed rates would imply to me that they don't foresee interest rate rise in the short term either.

Apply for outline planning permission, don't go to the expense of having plans drawn up. A successful outline application will establish the principle of development on the site and in turn will determine the house type considered appropriate etc. Whilst the outline permission can be appealed...

Just to update a lodged a complaint with the FSO a few weeks ago and had my first call from a mediator this morning. Hard to know how it will go, I outlined my case again and was asked what I wanted to resolve the matter, I stated be allowed moved to the the desired Variable Rate without delay...

I think it's unlikely that rates will rise next year, inflation rates are struggling to reach the desired targets plus the euro despite the uncertainty in the eurozone is holding its own and may possibly strengthen further against key currencies making Euro denominated industries less...

Inflation is not hitting the targets the ECB have set, they indicated during the week that QE may have to go on for longer than anticipated. Therefore i think it is doubtful that rates will rise next year.

Thanks very much, much appreciated.

I fixed in July 13, so as of Wednesday coming I will have 6 more payments @5.35%. The break fees quoted to me make so sense at all, AIB keep describing them as a great offer but it remains cheaper to just see the next 6 months out. I just enjoy hassling Banks and Utility providers. Funnily AIB...

Thanks very much for that. I've opened the complaints process with them and I'm going to try and pursue it further. I kind of relish these sort of battles.

Hi, I've been trying to move from an AIB 5 year fixed rate (5.35%) since October to a <50% variable. The first quote I received was for €1,538, I then got a second quote (final offer) of €1,000. In mid December I contacted them again requesting them to outline a breakage cost in accordance with...