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Hi Tracy, I just checked back through my emails and the company that provided the bond in our case was 'First Title Insurance'.

Our first house had an east facing back garden and we didn't like it at all. It was so frustrating not to have good sun in the back of the house and the garden. When we made a list of what we really wanted for our second house, a south / west facing back garden was one of the things that we...

Hi there One of the things that would put me off a duplex would be having a flight of steps up to my front door. This would be very difficult for anyone with young children, using a buggy. Imagine coming back from a walk and the baby is asleep, how do you get inside without waking the baby up...

Hi, Just wanted to give an update in relation to BoI. I told my neighbour last week that we were saving quite a bit on our mortgage by switching from BoI to KBC. She sent an email to KBC and got an indication of the mortgage rate that they would offer, based on outline information. Then she...

Hi Clubman, The lower BoI offer that you mentioned wasn't available when we were making our decision. Yes, the full home insurance cost from KBC was the most expensive quote that we got for home insurance, but it ended up a good bit cheaper when it the 50% discount was applied. I was just...

Brendan asked me to start this post to describe the process as it appears that not many people are switching mortgage. I know that some people have threatened their existing bank to switch and seem happy when they get a small reduction in their mortgage rate, but I don't understand why someone...

Hi Fran I started this post when we were thinking of switching to KBC. We went ahead with it and recently paid our first mortgage repayment to KBC, which was 100e lower than our monthly payment to Bank of Ireland. With regards to your query above, we didn't have costs anywhere near €1000. KBC...

Hi I'm currently going through the switching process from BoI to KBC and I think the costs of switching may be of interest if the saving is marginal. Costs are -valuation 127e -legal costs, our solicitor quoted 1085e KBC's offer includes -1000e to offset legal fees -50 percent discount on home...

Tks Bronte We have the loan offer from KBC now, 3.55 percent including discount for opening a current account with them.

Hi Brendan We decided that the offer from BoI was not good enough. We should be able to get a rate of 3.55% variable with KBC, instead of 4.2 variable with BoI (they also offered 3.95 for 5 year fixed but we don't want to fix). The stage we are at now is that we have approval in principle, had...

Thanks for all the feedback. We have decided to proceed and will be applying to switch our mortgage to KBC. Will post again when we are further down the line.

Hi Leonmahon I don't know, they just responded to my query with the offer above with different alternatives for a variable or fixed rate.

BoI Hi there I first contacted the person that we arranged our mortgage with, but she forwarded my query to another mortgage advisor. He then told me that it was the mortgage pricing unit who made decisions on mortgage rates. This happened just last week. He told me initially that the last...

We bought a house in South Dublin last year with a BoI mortgage at 4.5 percent. It has increased in value since then and we think the loan to value ratio is around 60percent now. We are considering switching to KBC, it looks like we could get a variable rate of 3.75percent with them or...

refund at last My refund finally arrived today. C

My parents will be 50 year's married this summer and we are organising a family lunch to celebrate. There will be 12 adults and 9 children (aged 3-14) approx. I am looking for recommendations for a nice hotel or restaurant in South Dublin please. Thanks in advance.......

Schooldays.ie Hi there I forgot to mention that the childminding forum on schooldays.ie is very active and has good information on it.

Employing Nanny in own home Hi there We employ a childminder to look after our children in the afternoons in our own home. The going rate in Dublin appears to be 10e/hour. I looked into buying payroll software but a friend recommended an accountant that does a monthly payslip for me for...

Another update I came home to find a brown envelope from Revenue yesterday and was certain it was a cheque with a refund but.......it was a letter from Revenue stating that their records show that I purchased a house in 2013 and paid LPT. It then gives instructions on how to claim the exemption...

Its one month on since I claimed the LPT exemption on-line and I still haven't received the refund. I rang them today and they said that depending on the amount of claims that come in at one time, there can be delays beyond one month. I was originally told that it would be 2-3 weeks. I sent off...