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I haven’t been able to switch. 1) Have you been paying very high rates to the likes of Pepper and have you tried to switch to a mainstream lender? Yes paying 8% with Pepper tried BOI but no joy as I am sole income with 2 kids 2) When were you last in arrears? In 2015 3) Have you been...

I contacted BOI yesterday and can’t switch due to affordability rules. I only one working with wife and 2 dependents. I’ve mortgage with pepper paying full capital and interest but also car loan so I didn’t meet criteria to switch. I would be saving €250 per month if I could have switched...

I'm going to ring in morning and might follow it up with a letter. I don't see how if we in am agreed ARA that they increase monthly repayment

Did u contact them and if so what was reply.

I'm confused. Got letter today saying increase to 5.75% to take affect from this month payment. Payment has increased by 107 per month. In same letter it states if you are in ARA "your expected payment as per agreement will remain the same. In event of agreement coming to and end or is...

If you are in an ARA your monthly repayment will remain the same until that agreement ends

It's probably better than B3. House was built in 2006..... I can't find MRPN number to check.

Yes I contacted a broker and they said with a clear credit report they didn't see an issue they at time talked about Finance Ireland and ICS. This may have changed. If I was approved for a switch could I extend the mortgage term by a few years to reduce monthly repayments slightly. I'd only be...

Currently in ARA and paying 900 per month. Living in home. Ive a part capital and full interest with them recently did CCR credit check and all clear for last 5 years so basically would like to switch to lower rate and get full payments with a lump sum due at end of mortgage. Also ideally would...

Current lender Pepper Outstanding mortgage balance (how much you still owe) 142k Approximate current value of your property 375k Your current mortgage interest rate 5.75 Your current monthly repayment (excluding any overpayments) Your property's BER (Building Energy Rating) – B2

I also got same letter re hike. I'm currently on ARA which is part capital and interstes so monthly payment won't change but I guess its adding interest to the figure at end of term. I've done a CCR check and mine is all clear for last 5 years is it possible for me to switch mortgage now ?

Current balance 142k approx Repayments 899 pm at 4.5% variable until Dec 2036 Balance at end 45k. I'll be 55 when this happens. I've that in writing. I'll contact broker to see if I can switch to lower rate with someone else.

Thanks

Do u think I'd get to switch. So if rates go up what repayments be then?

Can I send u DM

I'll be 55 when loan matures Brendan. I'm currently repaying 899 per month at 4.5% sorry. Current balance approx 142k with a balance of 45k at end. If increase comes how much more a month would I be paying per month please Thanks for reply

Looking at paperwork it's says with current repayments I will have a balance at end of 45k so I don't understand if this is warehoused or not.

I'm worried about increase in interst rates and will it affect my repayments much

I'm currently repaying 899 per month back.

144k 4.25% 45k at end of term.