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This is really disappointing to hear. Had a great experience switching to them. We are only 6 months into a 2yr fix at 2.3% but planning a sizeable top up in 6 months. Are we best to move again now? We needed to be with ulster 6 months before they consider top ups so guess the other banks have...

No not at all, happy to be told if I need to get off my horse!

Hi Red onion yes first part all correct. I understand the mechanics and am not debating anything prior to me sending balance on the 6th. They didnt send them to EBS until the Tues 10th. EBS Recorded it on the 11th. The 10 days was the redemption figure from EBS + 10days interest added by...

It's not really about the money. We paid 10 days extra interest in total approx 300e. A few days overlap is completely fine but just holding on to my funds and not acting which incurs a cost, to me, seems wrong. It's the principle of not acting in my best interest as my solicitor, that's my...

Hi I've just completed my 3rd switch in 3 years using same solicitor. In the most recent switch from ebs to Ulster, they drew down funds from ulster on the 3rd, got redemption figures from ebs on fri 6th, I sent balance on 6th immediately upon their request and replied via email I'd transfer...

Hi I've kept an eye on all the posts but would like to get your opinion. I've been with AIB, switched to BOI then EBS for the cash backs (fixed 1 yr on both) and now think ulster is the next right move. We want to do a big renovation to our house this time next year so thinking Ulster for the...

I had no issues switching from AIB to BOI. I am going to switch to EBS now and apply to Ulster at the same time and switch over after 6 months.

I spoke with Ulster and to switch over to them they stated I needed to be with my current lender for 6 months. Has anyone been told this?

That's great RedOnion. Also is there a minimum term you need to be with your current bank before you can switch? Still hoping to get a quick switch into EBS for the cash bank and then Ulster.

Can anyone confirm that they really mean 10% overpayment on outstanding balance? as in 300k mortgage and you can overpay by 30k per year charge free? can it be installments or lump sum?

Hi I have 296k left on my mortgage and a term of 29yrs. Property is valued at 525k but we need to do major work to it in the region of 150k. My plan is to save as much as possible of this 150k over the next 2 years and get the minimum amount needed from the bank. However I really would love to...

thanks RedOnion - where can I find the current and historic inter bank market rates? My friend broke out of a 5 year BOI in Jan after 11 months and cost him nothing. struggling to understand the actual mechanics and where to get the rates.

Lender; BOI Rough value of property (needed to assess if switching to another lender is advisable): 525K Amount of mortgage balance outstanding: 296k Date you fixed: Aug 2017 Period for which you fixed: 3 yrs Fixed rate: 3% Term left: 29yrs Breakage fee quoted: 832 Hi I'm thinking of switching...