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I asked at the time but was told you couldn't get a tracker on a 2nd mortgage. The bank were offering tracker mortgages at the time. We were very eager to move home and didn't really query anything. I understand that the banks don't offer trackers and some allow moving trackers to new...

I purchased my first home in 2004 and had a tracker mortgage with Ulster Bank. In 2007 I sold my house and bought a new house. I had to take out a new mortgage. When doing this I was told I had to either choose a SVR or fixed rate. I couldn't/wasn't offered a chance to keep my tracker. Should I...

I have my mortgage with Ulster Bank since 2007. In September 2012 I signed to a 3 year fixed mortgage. I contacted the bank in September this year (2015) looking for my upcoming options. They informed me that my fixed rate was to be continued until end of Dec 2015. That would be 3yrs and 3mths...

sorry Dermot, how is it 4yrs and 11mths? First extension was for 3 years and the second is just short of 3 years

A development of 70 houses close to me was recently granted an extension for the second time until Nov 2015. The first extension was granted in Jan 2010 for 3 years.I have read The Planning and Development ( Amendment) Act 2010 that was signed into law in July 2010. It states: Extension of...

I'm moving from Ufirst 3.65% variable to 3yr fixed to peace of mind. The 3 yr fixed option was dated unitl 31/10/2013. Why would this be 2 yrs 8 mths and not the full 3 yrs

4.35%

Hi, I have applied to change my mortgage with Ulster Bank from variable to 3 yr fixed. They told me that I need to pay €125 "admin" fee to change. What a joke. Do all banks charge this? I have been paying my mortgage for 7 years and am totally disgusted at seeing this charge. Also they sent me...

farcical situation. Went to Post Office today to lodge money into NIB account. Was told that I could only lodge cash and not cheques. Madness!!! Now I can lodge cheques in my local NIB branch but not cash and in the Post Office I can lodge cash but not cheques. Madness!!!

My wife has been offered a good redundancy package. I know she can claim job seekers beneift after waiting 9 weeks, she can claim this for 12 months. Then she can apply for job seekers allowance. I know this is means tested. What if anything would she get from job seekers allowance with the...

The external walls of my house (built 2007) are finished with a "chalk" like product. All houses in the estate are finished the same, none are painted. Now a lot of the houses, including my own have started to get Red streaks along the walls. It is making the houses look unkept. Is there...

I know it's difficult to predict but when do you think ECB rates may rise? and by what %?

It said that it has been changed on the An Post system. Not sure who actually changed it. He told me that An Post use a national database linked to garadi etc.

I live in an estate called "Oranvale", well at least I tought I did !!. There are only 4 houses in my estate. Recently my post man told me that my estate has had its name changed to "Cregg View" on the An Post system. This is because another estate called "Oranvale" currently exists less than 1...

When a Garda is taking a statement in a Garda station does it have to take place in a private room. I had to give a statement to a Garda recently and we were moved from a meeting room where it was just me and the Garda. I had to give the rest of my statement in the main Garda office with...

House value would be just above €350K. Down over 80K in 2009

Hi, I am currently 3 yrs into a 35yr mortgage of €340K. I'm currently with Ultser Bank on U-First varibale rate of 3.75%. I'm looking at fixing but Ulster 3 yr is 4.30% but AIB 3 yr is 3.19% (better than my current variable rate). Would I be better off switching to AIB? Worried rates will go up...

I was working 2 days per week and claiming JA for the remainder. I finished working on Friday but have secured a full time job starting next week. Do I need to inform the welfare office? I have tried to ring them loads to times but keep been put on hold for ages (up to 30 mins)!!! I just give...

I'll try the Resource Centre tomorrow. I have a quote for a 2.5hr session for €350 through the company in Loughrea

I did ring FAS Galway today and they just gave me a number for an external private company in Loughrea. I did ask did they do anything internally and was told no!! I don't mind if thats all there is and will pay for it as badly need to get this job