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Thats great information guys, all clear now. Many thanks for that.

Hi All, If i was to move abroad in a few years time and spend say 5 years away whilst renting out my PPR in Dublin for those 5 years,then subsequently sell the house: 1. Am i liable for CGT only on the amount the house price has increased in those 5 years or for the whole time between buying...

That's great thanks. I just wanted to see that it would make sense to take a redundancy early January rather than late December from a Tax Back point of view. Cheers.

Hi All, This is a hypothetical question about Tax Back Following Redundancy. Say I am made Redundant and finished working this month ( December 2019 ) but the redundancy Lump Sum wasn't paid till End of January 2020. If i didn't work for all of 2020 following my redundancy would i be entitled...

i see now actually that minimum loan tends to be €25k and minimum term is 5 years. I could just go variable and pay it off over 1 to 2 years. Thanks

Hi All, We are toying with the idea of selling up in Dublin and buying a house in Kildare. We have approx €320,000 in equity and would be looking buying new house for around €350,000. Allowing for savings and costs involved in selling buying we would probably only be looking for a €30K to...

See below from www.citizensInformation.ie Credit cards and credit history The ICB records credit card repayment performance on a monthly basis but, due to the nature of credit cards, you also get an additional 30 days before any negative information about your performance is recorded. So...

I believe a mortgage payment has to be 30 days overdue before is marked as a missed payment on the credit register so may be the same for credit cards.

Does anyone see EBS lowering fixed rates to compete with UB and others ? I'm on 5 year fixed at 3% with EBS and may look at moving to UB this year if rtaes stay at 3%

That's true if you're the disciplined type but i'll throw it in each month cos i'm at risk of buying shiny new things with the savings ! I talked to them and it's straight forward enough. it would take over 4 years off my 17 year mortgage if i kept it up so a no-brainer really.

Thanks RedOnion, Am i right to assume they must allow you overpay even on a fixed ?

Hi All, I have an EBS 5 year fixed mortgage at 3% and am considering starting to overpay about €500 a month. Although there is no provision for overpaying by 10% like with BOI and UB am i still allowed to overpay on an ad-hoc basis and pay the percentage of fixed-rate breakage fee as a result...

Lots of solicitors doing a fee of €1,000 +VAT + Outlay. Paid about €1,800 when i bought my house ( Dublin ) 6 years ago. Paid €1,650 for mortgage switching last October.

Ah ok so. Very happy i fixed either way. Thanks for that Redonion

Hi All, another quick update...my first mortgage payment at new rate of 3% was paid today. My breakage fee is zero as of today. It went in the space of 1 week from €1,839 to €1,030 to €680 to €0. I don't know if this is of use but just so those who are thinking of fixing see that your breakage...

Just a quick update.My break fee is actually as of today €1,030. It takes till the 1st day of the month after fixing for correct changes to show up on EBS online. Am i correct in assuming this is the highest it will be and will decrease as i go further into the 5 years fixed term ? I am saving...

Thanks Guys

Hi All, First time poster here. I availed of the EBS 3% fixed rate for 5 years this week. I was previously on the 3.5% variable rate. My mortgage outstanding amount is €349K and i have about 18.5 years left. My EBS online shows a fixed rate break fee of €1,839. I thought it would be very...