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Current lender: KBC Outstanding mortgage balance: €204,000 Approximate current value of your property: €480,000 The date you started your fixed-rate mortgage: February 2021 How many years you fixed for: 3 Your current mortgage interest rate: 2.25% Your current monthly repayment: €1139 Your...

Just wanted to ask guys how do you instigate the break and refix process. Is there an online form or particular contact to be used for that process?

Hi, I have a US Brokerage account in which I have a $ balance after selling some shares in the US multinational that is my employer. Id like to use the proceeds to purchase shares in a few ETFs. I can either buy the ETF's in $'s using the balance in my US brokerage account or I can transfer it...

The question was regarding KBC. I think at this point it makes sense to switch given the best variable rate I can get will be from another bank other than BOI. I was primarily interested to know how strong the recommendation to stay away from KBC was. I could look at other banks but right now...

I am one of those on BOI's "high" SVR of 4.5%. I asked for an updated rate and BOI now have given me the option to move onto a lower fixed rate of 3.4%. In parallel I have looked around at the option of switching and now also have the option of a lower variable rate of 3.1% from KBC. I'm close...

Hi guys, We bought a new home last January 2013 and have rented out our previous home. Because our new Principal Private residence was purchased in 2013 I understood that we would lose our mortgage interest relief once we moved into the new home. The mortgage for our new home is with the same...

Hi guys, Can anyone clarify for me what the norm is as regards what's included in Rental charges for a stand alone semi-detached house. Is it expected that Service charges such as bin charges (and water charges when they come) are paid by the tenant or the landlord? Thanks, Warren

Ok that's different from anything I've read before. My employer is paying hte tax but to be honest Im not 100% sure if its PAYE on ESPP or RTSO. Is there any reference that outlines the difference between the two systems (I've never come across one)? Thanks, Warren

Thats what I was assuming. Thanks for the confirmation

I paid 15 euro per share (which came from monthly deductions from my salary).

I have been contributing some of my salary into an Employee Stock Purchase Plan (ESPP) for the past few years. The amount contributed from my salary is used to exercise shares at the end of every 6 month period. I paid income tax initially as part of the Relevant Tax on Share Options scheme...

Folks we recently viewed a house and are potentially interested in buying. The estate agent has said that the owner has refused an offer of X. If we are seriously interested what's the next step, is it to ring the estate agent say we are interested and arrange to have an engineer review the...

Hi Bronte Annual Rent: 8800 euro (this assume 800 per month for 11 months, so a 1 month vacancy per year) Mortgage Capital & Interest: 13200 (this assume 1100 per month which is ~150 above what Im actually paying right now, as the mortgage is a tracker its allowing for an interest rate rise...

Hi guys, I need some guidance thinking through whether as part of trading up to a new house it makes any sense at all for us to consider holding onto our existing house as a long term "investment". I have been through Brendan's key post on this topic but my circumstances differ somewhat from...

Thanks for all the feedback guys - an extremely interesting thread. Have looked at a few other houses in the meantime but we are going back next week to see the house that triggered this thread (the one with an "existing offer") so Ill keep you up to date on how it goes

Thanks for your comments guys appreciate them. As regards our financial position we have an existing house which we will rent out (likely a separate post on that one :). We have good savings and the bank have indicated that we should be approved for the mortgage but I dont have a formal offer...

Hi guys, We are looking to trade up and have been looking at some houses recently. We came across one that we like the look of and when we contacted the Auctioneer she told us that there was already an offer on the house - she indicated that the offer is 40k below the asking price. We've been...

Hi, Its my wife's birthday soon and I want to get her a couple of nights in a nice destination spa - someplace luxurious that she can relax in, get a message and do a yoga class. I'm looking at the following 4 - just wondering if folks can recommend one over the other (I understand Monart is...

So I should fill in and submit Med 1 now and also enter the medical expense details in Form11?

Hi, I am obliged to fill a Form11 for 2010 as I took part in an Empoyee Share Purchase Program and recently got the Form11 in the post. I also have some medical receipts for 2010 and I am considering submitting a MED1. Does it make sense to submit the Med1 or should I just include the medical...