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    Stuck with ptsb - fixed or variable rate?

    Hi there Thanks for the replies. I know the SVR is high but then it always has been with Ptsb. I think I'll sign up with the 2-year fixed rate and then try to switch to another lender/lower rate when my LTV reduces.
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    Stuck with ptsb - fixed or variable rate?

    Hi there I have a mortgage with Ptsb and have been on a fixed rate for the past 2 years. My term ends this month and they have offered me a range of 'options' - a fixed rate over 3 years is 2.95% while a 2 year fixed rate is 3.10%. Should I even consider the variable rate of 3.95%? My LTV is...
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    Ptsb Mortgage Fixed Rates February 2019

    Hi there I think so - I will ring the bank today. I hope it won't be this high!
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    Ptsb Mortgage Fixed Rates February 2019

    Hi there I wrote to Ptsb and requested their 2 year fixed rate of 3.70%. Amazingly, my mortgage payments will actually increase! We were paying €1,568.49 per month and now from March, we will be paying €1,571.79 per month on the reduced interest rate. Am I missing something here?
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    Ptsb Mortgage Fixed Rates February 2019

    Hi there Glad to say we never missed a payment since 2006 so that will always be in our favour. I think I will mention the switching scenarios with Ptsb and see what they say. Thanks again..
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    Ptsb Mortgage Fixed Rates February 2019

    Hi there again How do I work out the possible savings per month after moving to the fixed rate? Many thanks.
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    Ptsb Mortgage Fixed Rates February 2019

    Hi there Many thanks for that swift response - we will fix asap!
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    Ptsb Mortgage Fixed Rates February 2019

    Hi Brendan Unfortunately, we have a SVR mortgage with Ptsb taken out in 2006. We have an approximate LTV value of 87% and as you can imagine, the possibility of moving banks was never an option in the past but hopefully, in the next year or two, we'll be in a position to look at other lenders...
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