Search results

Would you have a view on the 6yr ..my thinking is that in 3yrs time similar rates will still be available and dont bother locking the rate for 6 ...although the rate is so close only 0.05% i doubt myself a little also

Red onion ..sorry ,its only when i read back the thread that i realised i had put in 2.2% .your right 3yr is 2.55% . I was at the time contemplating their 2.2% deposit account and that number was fresh in my mind

Yea they've also got a 5yr fixed at 2.6

No .they gave me the rates face go face this week when i was in there .im taking it up

Kbc have a 3yr 2.2% if he moves his current account and has a loan ratio less than 60% which would be the case here if he cleared some of the mortgage . Im less sure if what they would do for him if he didnt live there although im sure he could move in on paper until the mortgage came through

You could compromise with both and re mortage for a much smaller amount letting you keep a little more in your savings . Your tracker isnt a fantastic rate worth keeping at any cost if your in a position to clear if rates have a large hike. You could get 2.2% 3 yr fix from kbc and similar from...

But thats exactly whats happening .i wanted a mortgage and ptsb say no i have to take a home equity release .i dont have to prove or provide anything to show what im doing with the money

By the way my threads name was changed and i dont agree with it. Some might say semantics but i argue its not for a home improvement loan ,its for a mortgage just like any other one except i think its up to me what i do with the loan

Brendan ..it was a 20yr mortgage which i was overpaying 15 yrs ago before i had commitments. Rate at the time i started the increased payments was approx 3% so still made sense to over pay . People forget that tracker rates were much higher way back when ..

Hi brendan Thanks for reply .would i not have an argument under eu law similar to rebates which from what i gather doesnt allow dissimilar conditions to equivalent transactions to a customer/company... Anyone got 5 million euros and 5 years to spare and ill take them on in brussels.lol

Hi lads Yes mortgage just naturally cleared due to the over payments i had . was supposed to move house last year but didnt happen and wife now decided to stay and renovate instead so thats why im in this position.i didnt think much about it at the time as it was a tracker and i knew the top up...

Hi blossom With my last mortgage with ptsb we did the same and the overpayment was shown on our yearly statement as a credit . When we came near the end of the mortgage the bank deducted it from the principle and finished the loan early.up to that time it still showed as the expected completion...

Thanks red onion but i think your missing my point. The bank has no charge on my house,my mortgage is cleared and yes i need to use a solictitor again and have the same fees as a first time buyer.i know what the small print says and i know they are calling it an equity release but my question is...

But they dont have my mortgage business which is what i dont get . If i take out a mortgage else where and then switch they will give it to me but if i apply directly they wont ....dont get it ..thanks for reply

Hi all I appreciate im in a good position compared to many but feel hard doneby by ptsb offer on my mortgage. I cleared my mortgage before xmas with ptsb and now want to takeout a new mortgage to upgrade the house. Ptsb say its an equity release and wont give me the 2% cash back .. Now my view...