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Gross income is roughly 42k But from reading the links you sent it looks like AIB have had to change their rules from 17th December last year, and switching rates may be an option for me now. Thank you so much @RedOnion for that. I will get back on to them

Hi, I am looking for some advice on whether or not to switch mortgage provider. I bought my house for €150,000 in February 2014. I borrowed 92% over 32 years. So a mortgage of €138,000. I am on variable rate with AIB which has dropped twice, maybe 3 times in the 5 years to now to 3.15%. My...

in a recent chat I had with a bank, for a married couple they wanted both inpermanent employment and to have, after any regular payments of loans or credit cards etc, a disposable income of €2050 per month. I made the mistake of upping our loan repayments to 800 per month before christmas in an...