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How much is your house worth? Tracker rates are generally based on the value of your house, we are on a fixed rate so makes no difference to us but if I was going variable the cheapest we were quoted was ECB + 0.5% being 4.5% at the mo.

They may ask for up to past 2 yrs p60's

NIB can afford this as they don't have broker fees to pay in addition to legal fees.

Irish life underwrite their life policies and allianz underwrite the home insurance. Irish life do a price match but if you have nany illnesses etc I'd go elsewhere otherwise they will be the cheapest, allianz offer 3 mths free in 1st yr with NIB mortgage so defo worth it as you are not oblidged...

No timber framed with comcret surround are still timber framed. It should be noted that aslong as the contractor is isai (iasi?) approved or there is homebond on the house you will not incur a higher premium (I asked!)

I'm looking for a landscaper and ideas as to how much its gonna cost (south Kildare)

What is the limit the small claims court can deal with? I think it's 2k. Wonder if they would deal with a case like this?

the security fee should have been explained upfront...it is the fee charged at the very end of your mortgage (called a vacate fee) €65 is for releasing the mortgage on your deeds and €15 for releasing the mortgage (also called assignment) on your life policy. this was fully explained to me...

I don't get why so many people are fixing at higher rates than those available elsewhere in the market place, it clearly shows that they are not shopping around for the cheapest rate. I've just fixed for 3 yrs at 4.18...this has since gone up with the institution I'm banking with to 4.55% still...

If your account is well operated and kept within agreed limit there is no reason another bank won't offer what your geting at the mo or better. Ulster bank, PTSB, NIB and AIB all have varying freebanking packages available why not pick up a phone and see what's on offer.

To me it seems you are in need of housing, you have binding contracts for sale of your own property and while yes that was your choice you are now in need of housing. If they don't issue consent to sell to you by the time you sell, you could always threaten to arrive at the council offices, kids...

Personally if I was thinking of fixing for 5 yrs I'd be shopping around, the cheapest 5 yr I can see at the mo' is NIB's 4.65% the difference over the 5 yrs is quite alot. Not 100% if that is the cheapest but there's no way I'd be opting for 4.99% when there is clearly cheaper available.

NIB offer €600 towards legal costs and this increases to €1000 if you switch your current account to one of the 2 top packages ie. easy plus or prestige. Ring your local branch and they will go through the options with you.

AFAIK you can't make additional repays to a fixed rate mtg. There is a penalty for repaying your mtg early, usually 6 mths interest. If you feel you are likely to repay small lump sums to your mtg there is nothing stopping you fixing 1/2 your mtg and keeping the rest on variable.

our switching costs were €991 in total

We originally bought our house through the shared ownership scheme with DLR in saying that it wasn't affordable housing and we paid full market value for the house so we were therefore not subject to any clawack etc when we sold it this yr. When we bought, no banks were doing 100% mtgs and we...

As above ring tesco and tell them you want the payment disputed, the retailer has upto 45 days to produce proof that you should have been charged twice.

Thanks...at least I can laugh about it now.

Ah 2pack, this is my second time through the buying process so I know how stressful it can be....I suppose I'm being hard on her calling her a witch but she lied at every step, "oh I sent the final loan offer into the bank by courier" and the following week she was in her solrs office signing...

Just because they say they're loan approved doesn't mean they are...look at the witch who bought our house, she said she was loan approved and 1 month after the closing date passed she finally got her loan doc's together. As for lenght of time on the market, if you've seen the papers you'll...