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I'd also be very interested in hearing anyone's advice on this also....

Thanks Brendan. If I was to sign up to notional service and buy back years,do I have to go at 60 then? Are AVC's a more flexible option? Plus I read on a previous thread that you have to live into your 80's for notional service to represent any value... I will certainly look into reducing my...

Sorry,monthly take home is €3200

Personal details Age: 49 Spouse’s/Partner's age: 45 Number and age of children: 2 children,aged 11 and 9 Income and expenditure Annual gross income from employment or profession:81000 Annual gross income of spouse:32000 Monthly take-home pay=€3460 Type of employment: Primary school teacher...

Great thanks. One last question -as it's a capital loss,can I write that off against my rental profit that I'll be declaring next year?

Ok. It says I have to pay by December 15th....I presume that deadline doesn't apply to me and I just make a return by October of next year?

Sale went through yesterday on a house that myself and 2 of my friends bought in 2006. Registered with RTB,was declaring rental income etc. Just wondering about CGT? We have not made a gain on the sale so how do I notify revenue? And how do I submit it on my return next year?

I just recently switched to that green rate just last month and asked your exact question when speaking to one of their mortgage team. I was told that once the payments come from the Explore account ,as normal ,that I would receive the 2% monthly cashback. Be aware though that this offer runs...

Will fixed rates go up? Applying for a switcher and am looking at Havens 4 year green at 2% or AIB 5 year green at 2.15%......wont be as attractive if .75% added onto them.

Thanks Paul. I rang PTSB twice and told them I was switching....they didn't seem to care and just quoted the fixed rates available on their site. I rang again last Monday and asked to get a callback from a mortgage advisor from my local branch,maybe hoping that a face to face meeting might...

Current lender: PTSB Outstanding mortgage balance (how much you still owe): €207000 Approximate current value of your property: ~ €380000 The date you started your fixed-rate mortgage (month and year): Sept 2018 (Current product ends Oct 2023) How many years you fixed for: 5 years Your current...

Would a phone call to the mortgage team be the best way to haggle?Or should I arrange a meeting in my local branch? I somehow doubt that the advisers at the end of the phone have any wriggle room when it comes to haggling....

Estimated value 370,000 Today's hike is 0.5 and there's talk of another 0.5 hike in September. So would AIB and Haven rate not also be 1% more expensive by the time I was to switch? I had certainly planned to switch away from PTSB but if I have to go with them for a further 5 years then so be...

Thanks Paul. I just want to try get the best possible rate ASAP. So that's why I'm thinking to jump on the 5 year green rate at 2.8%(we have B3 ber). If i still go with a switch,would banks just look at my income alone (70k)? Would that be enough to secure a mortgage of 208000?..that's what's...

Sorry,I should have clarified,I'm currently with PTSB paying 3.25. A switch to a new lender may take up to 3 months(and it seems they wont take my wifes income into consideration as shes still on 6 months probation). So by time I could switch, rates potentially will have jumped by 1%. So even...

Hi everyone again! Sorry about bringing up an old thread but thought it better than starting a new one.Was talking to a broker about switching and he said it may be difficult. My wife started a new job in March and is 3 days a week part time,still on probabtion until late August and only on 18k...

Thanks everyone. So how long will a switch take? I'm guessing if we start tomorrow,we only get the rate they have when we're ready to drawdown? So that could be 8 weeks and rates will definitely gone up.

Yes,we hpe to start the switching process shortly. One quick question-when we do switch,it will probably be to another fixed rate...I dont think they allow a down payment off a mortgage. So should we just look for a mortgage thats 50k less....so we look for a mortgage for 168k (instead of 208k...

Age: 47 Spouse’s/Partner's age: 43 Annual gross income from employment or profession: €70000 Annual gross income spouse: €18000 (left job in March,now works 3 days a week) Type of employment: Both public sector Expenditure pattern: I tend to try to save while she is more of a spender Rough...

Thanks everyone. Is there a Money Makeover template with questions? Might make it easier for me to fill in and for you guys to give an answer.