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Thank you. I'm with Boi and I'll definately be switching. I have tought about health insurance, but I've always been in good heath, I'm 38 and I'd probably get quicker access to medical care by traveling abroad. I have some enherited properties abroad ( only worth about 100k), but it's a place...

Hi all, I'm looking for financial advice. My situation is: I'm recently divorced, i have 1 daughter ( 4.5 years). The childcare costs are curently aprox €240/ month. The father is suposed to pay 500€/ month towards her, but he's not doing it. I earn 83k gross with a net of 57k and i have 55k...

Hi Brendan, You and your husband (you also say "partner", but I presume he is your husband) Yes, i am referring to the same person. - I will have the custody of the child. We are discussing who has the child when, logistics etc - we are discussing the maintenance. I couldn't put a figure on...

I think my bad English is confusing everyone here, apologies. Yes, partner is not looking for settlement or share out of the equity. I have spoken to a solicitor whom had advised me that the mediation might be the easier way to proceed. We attended 3 sessions with the mediator and on the last...

Thank you again. He has agreed to take his name off without being bought out. I know a verbal agreement is not much, which is why I'm trying to speed things up. I'm on 55k plus 10k bonus and I have been approved in principle. House worth aprox 390k with 199k left on the mortgage. The reason...

Thank you Brendan, your reply is much appreciated. I have already been in touch with the solicitor, and they have advised me to go to the bank first which doesn't make much sense. From an affordability point of view I should be OK, I have always paid the mortgage by myself. He had never had...

Well, the issue is that I have nothing in writing. The mediator asked us to schedule the next appointment after we have the bank issue sorted. But the bank is looking for a separation agreement which I don't have yet as separation is not finalised.

Hi guys, My husband and I are currently going trough separation, and so far seems to be going OK. I bough a house in 2012 on my sole name, married in 2016, sold the house in 2017 and repurchased together the family home. We had a baby in 2019. We have agreed that he will get his name off the...

I just got a call back, breaking fee would be just over 4k. Rates reviews are an option for variable rates customers I am being told...

Thanks Brendan, I seen they also have an option on the website to request offering you a new rate? Is there such thing, are they actually re looking at rates? Is too good to be true...

Hi! I was thinking to do a reevaluation on the house, given that the value has gone up a bit. I am with Boi, year 3 on a 5 year fixed term @3% ( lta <60%), currently overpaying the mortgage by around €90/ month. The house value is currently aprox 390k and the mortgage is aprox 205k. I phoned Boi...

Hello everyone, I am hoping for a bit of advice if anyone has a spare moment. I have opened a on line savings account with Ptsb back in January 2018. I started with 8k deposit and i have monthly topped it up to now 18k, going to 25k after my Xmas bonus. I remember at the time of opening the...

Thank you for the replies, much appreciated.

I've been through the same process last February. Sales closed on the same day. I moved from the old property straight to the new one. Best of luck!

Hi everybody! I am just out of a fixed term with Ptsb. My rate went from 3.4% to 3.7%. The value of the house is 355k ( possibly 365k) and the outstanding loan is €211,500. Is there any better deals to be had out there? There's also been a lot of talking about rates going up. Should i go for a...

Hi guys, I'm not sure if this kind of post is allowed, but I'll go for it anyway. If admin considers that this is inappropriate, please delete the post. I'm just after moving into my new home and I can say that selling and buying has been the most stressful thing I've done in my life (...

I just came across your story, and I must say, just like you, I have not come across a customer service as bad as DFS Blanchardstown. I have paid the deposit on a divan bed sometime around June and set up direct debits for the following months. I was told in the shop that the bed was going to...

Thanks Protocol! I did think of that, however when I bought my 1st house a few years back, the price I paid was the price shown on their website. That's what I've used as guidance, but maybe I'm wrong.

The prices appear to be registered on 19/10 so it was before the new budget. I wouldn't mind the price difference once it was justified....

Hi guys, back here for more advice . I've put a deposit on a house 2 months ago. I've been reassured by the EA that the sale price will not be negotiated what so ever as is the 1st faze in a new estate, that prices will actually go up on the next batch of houses. I've just seen on...