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Pepper will probably take a while to do every review just depends on where you are on there list..I'd say it will be every 2 to 3 years..but could be every year if they want I suppose.. A mortgage advisor told me 2 years of full repayments and a show of affordability would open up the market to...

Basically yes...things should continue as is..for how long I'm not sure though... Bank have said we have nothing to worry about as we are in restructures and fully co operating.. But when rates are up for review will they be competitive with pepper as with main banks and will their financial...

I really think PTSB should of offered us individual advice before the transfer..I've called them several times and got somewhat different advice of every agent on the phone... Its not really good enough as the majority of this transfer have been co operating since split put in place and deserve...

Thanks Brendan My preference would be to stay in my deal for as long as legally possible ( would be happy to leave it for remainder of mortgage term )...pay off the main mortgage on the best rate possible for as long as possible and leave the warehoused amount alone for as long as possible...

Thanks for that Brendan... But am I contractually obliged to except the reviews findings and enter in to a higher payment.. or leave the same amount in the warehouse until a future date and continue to pay only the main mortgage only for as long as we want..? My understanding from TSB is the...

1 more question Brendan.. Seeing as TSB split mortgage states you pay thr warehoused amount at the end of the mortgage and they have told me in my last review that the deal was you can increase your payments or still just pay at the end can pepper make you incorporate some if not all of the...

It wouldn't be at the expense of savings..not that we would be saving a huge amount but we basically can now afford to go on full payment but want to take full advantage of the 0% aspect of our deal...no offence but I feel TSB have shafted us considering they offered us split as a long term...

Thanks Brendan Is the better option to go on the managed variable rate or fixed rate for 2 to 5 years which is 3.7% currently...? Depending on our LTV our rate could be more than that according to you screen shot..but is it the better medium term option. Glen.

Hi Brendan I was sold to pepper..we have main amount of €170k and warehoused of €90k..currently on 4.5% svr on main amount..could get 3.7% fixed with TSB before the transfer in a few months..should we fix now..? Not sure what pepper can do regarding rates in the future as their rates are...

Hi Brendan Thanks for your reply..

Hi Brendan .. When you say less flexible what do.you mean..I have split but fully compliant and always have been..worried now about what pepper can do when up for review (ie interest rates and term)..even though agreement with TSB clearly states split in place until end of mortgage and full...