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Letter just stated that if I'm going to take one of the fixed rate options that I need to need to send a cheque or transfer €100 to them. Edit : Just read it again, calling it a "transfer fee".

Not all all, currently on their SVR of 4.5%

Im disgusted with them. When my fixed ended around 2009 I went on the variable. I was fairly naive and didn't question it. When the tracker controversy started I asked them how I ended up on a high variable. Answer they said was I never replied to letter after fix term was up. They sent the...

PTSB looking for €100 to move to the new fixed rate, is this the norm?

:( Thanks Rameire.

Does the higher ceiling last for the full 84 months? My first repayment was March 06 but the increase has been aplied to January 13 payment. I thought i would get another 2 months out of it or does it go by the calender year?

Not really as it's probably still one of the lowest rate out there even though they all seem to be coming in line with each other now. At one stage the gap between AIB and PSTB was staggering.

Ask them if you were coming of this 2yr fixed rate today what would the new fixed rate be?

Yeah i thought that 6 years ago and have payed way over the odds since. It's just over 12 months ago they had SVR of 6.15%.

Probably depends if you're on a tracker or not.

Updated TRS showing on my account at last (PTSB).

AIB rate is 3% still 1.34% lower than PTSB even after not passing on the rate. I'd say PTSB are only slowly reducing the rates in the hope that AIB might start increasing their variable sometime soon. Once the gap is under 1% that will be the end of reductions from PTSB i'd say.

Rang PTSB and got pretty much same reply as Alexandra. The extra TRS over the 12 months will be spread over the remaining 6. Next year i'm in year 8 of my mortgage unfortunatley so big rise again :(

PTSB consistent!

Allie did you get any written notification? All i see is a reduction in line with the reduced interest rate.

Into July now and still no change from PTSB.

Anyone got confirmation by letter of their new payment yet?

€500 per month will give you savings of 75K €600 per month will give you savings of €90K etc.. An post have National Solidarity Bond (10 Year) 50% Gross return over 10 years, AER 4.14%, made up of an annual interest payment of 1% p.a., subject to DIRT, and a final tax free lump sum bonus...

How long are you tied to the tracker?

My next payment is due on 27th, interest rate has been updated on line but no change to payment due or TRS.