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Our valuation report was submitted to FI last week as part of a switch so I'm hoping we'll be OK. Any idea how long it takes PTSB to send deeds to your solicitor?

Same here - Would appreciate if someone could PM a solicitor in Dublin below the Liffey river ? Thanks in advance! Tried 3 places locally - all quotes I'm getting are coming in at about 1700 -1800 .

Thanks for confirming what I thought regarding giving up the tracker. I guess I presumed it was a good idea to let inflation eat away at the mortgage over a longer time frame and it would allow me to focus on maximizing pension contributions at 40% rate.

I currently have a split rate mortgage on my home with PTSB. There is about 20 years remaining in the term. My LTV is < 60%. The rates are as follows: e129k is on a tracker at ECB+2.25% e80k is at 3.3% Given how attractive long term fixed rate mortgages are I'm very tempted to switch to...

Have you tried searching the local authority website for planning applications?

That is a condition of some of the Tracker Movers. I know it was with PTSB. You will probably be asked to present utility bills that show you're living in the property when you make the formal application.

Congrats on paying off 50K debt! It sounds like a lot of your money issues are temporary. After you complete your course you'll be able to get a job and household income will improve.

PM sent..

I'm coming to the end of the "PTSB Tracker Mover" process myself.. Expecting to close on sale/purchase in the next 2 weeks. We listed our house for sale as soon we got the Letter of Approval from the bank. We were lucky in that we got a lot of interest and were able to cherry pick a cash buyer...

Are you applying for a tracker mover?

Thank you for your responses. They've been really helpful.

As an example of what I mean - if a fund bought the German 5 yr bond today, it's yield is -0.01%. Doesn't this mean that the fund would have to not only pay for the bond but also a -0.01% interest rate to hold that bond? I would see this as negative for a fund regardless of what way bond prices...

Thank you for responding Sarenco. I do understand that falling yields are good for the long bond fund however I was wondering what would happen if the fund was buying bonds that were yielding negative rates. Leaving aside bond prices going up/down wouldn't the fund be losing money by just...

Hello, A significant portion of my pension is invested in a [broken link removed]. [broken link removed] Its been performing well for the past year but I'm a little concerned with what may happen as interest rates start turning negative. Would the fund start losing money if it is investing in...

Will mortgage holders be liable for any tax on the amount which is contributed by bank? I'm wondering if this is being treated as a capital gain?

Am I right in thinking that people with trackers who are renting out their homes will do well out of this as long as they get a fair discount for surrendering their trackers? The capital portion of their mortgage payment would be reduced while the interest portion is increased. This means that...

Boi

If your wife does some computer work for you, you can pay her an eworker allowance. With regards the eworker allowance, please see the following link: [broken link removed] "eWorkers will incur certain expenditure in the performance of their duties from home, such...

I understand. Thank you, for your response...

If someone made a capital loss from the sale of an investment property, can they use this loss to reduce the amount of tax payable for a capital gain from the sale of shares? Many Thanks