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My first thought is do you need to do anything? I wouldn't think your policy is invalid. I presume the policy is still active and would still pay out. It's just wouldn't have BOI listed as provider/first call on the payout. That's more a problem for them then you. I'm by no means an expert on...

The level of prices at the end 2022 was 94.8. the level of prices at the end of 2023 was 100. The difference between the two is how much prices have increased over that time i.e., inflation attributable to 2023. In percentage terms that change is 4.6% Price increases between January...

The clarification is - and seems to still be - you're quoting the wrong number. Which is is strange given you've provided a link to the CSO containing the correct value. If you don't believe me you can work it out for yourself: If a basket of goods an average person in Ireland typically...

A small clarification based on the link. The inflation rate, as measured by the CPI, was 6.3% in August 2023 but this had declined to 4.6% by year end. Whereas the annual average percentage change in the consumer price Index over 2023 was indeed 6.3%.

Doesn't sound like a deposit account to me. "Every business day, clients' funds from their D-accounts are invested in accordance with the client's order in OTC currency swap transactions. These trades bring the client income of 5.31% in US dollars and 3.88% in euro per annum (adjusted for...

It's the lenders responsibility to keep the CCR up to date not you but you have the right to have your CCR amended if it's inaccurate. https://www.centralcreditregister.ie/borrower-area/faqs/ but this is a case of omission rather than the inclusion of something that is wrong and would count...

If it's over €500 and you're based in Ireland then yes.

Yes, and a lot of other things to. Is it specifically ring-fenced for pensions, no.

The euro amount you pay is a function of the balance and the how the interbank rates have moved. Your mortgage balance won't have changed muc since November but over that time market rates will have moved. There's a key post on this...

To clarify do either of the Haven or BOI mortgages attract any form of cashback? I'm assuming not so ignoring BOI as it will be more expensive than Haven. I'd ask a slightly different question, which of those mortgages is going to cost me less in the way of interest (net of any cashback...

You'll know your circumstances (health issues, employment risk) better than anyone else but based on the numbers at hand you'll save close to €7k in interest by going with BOI (before any cashback offers are considered). All things being equal Brendan's point stood but all things are not equal...

It is the case that since Avant joined the market they generally offered one of the lower set of rates on the market. However, based on what you've provided above that isn't the case right now. Likewise, who knows who will offer what in 4 years (or beyond). So I would be inclined to just focus...

Okay so there are some equity release products but they tend to be very limited. Unless you've retired and/or the purpose of the loan is for a home renovation there is effectively no such product out there. None of these providers are Avant.

It sounds questionable. It's ultimately comes down to what your solicitor is willing to do. On one level you may be asking them to effectively lie for you. IANAL but I imagine your mortgage offer relates to the purchase of the property from a third party. If you draw down a mortgage secured on...

This is not a new T&C it was the same with KBC. It was flagged in the switchover documentation as well. So I don't think you've an argument on those grounds. If they were refusing to let you access your money that would be one thing but all they are doing is limiting your withdrawal options...

Having had the same KBC account I think the issue was the same there. You had to go through the current account. It's just we all had some version of the current account. Having either a CU or EBS account is handy for these circumstances where a cheque needs to be lodged. You can definitely...

This is correct. On where rates might go... The banks didn't pass on all the rate increases so even though the ECB rates are expected to fall I can see the banks being very slow to lower any of their mortgage rates. If I were a sneaky bank I might lower my fixed rates in line with market...

From Revenue https://www.revenue.ie/en/additional-incomes/is-your-extra-income-taxable/index.aspx Not a Revenue source but also mentioned...

In terms of getting good feedback here, are there any other goals/objectives you want to achieve with your money? In the absence of any other info I imagine most advice will give you to either focusing on minimising current costs (mortgage) or maximising your future pension. If you're...

You answered your own question earlier