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Also told the valuer what figure i was looking for when switching and luckily there were other houses in the estate (albeit slightly bigger or with more work done) that had similar or higher prices when they sold so he put it through. It wasn't unrealistic and still way less than we paid for it...

I'm pretty sure KBC will send you the 3k anyway whatever figure the legal fees come in at, similar to when AIB was giving 2k to switchers.

If OP decides to take the 5 year fixed rate now and in a years time the fixed rates haven't changed can they ask their bank to begin a new 5 year fixed term taking him up to 2024? Or would this involve breakage fees etc.?

no problem, we're 38 and have combined income of 57k gross, both private sector, saving very little, mortgage rate is 2.75 variable and about 145k left on it, no other loans or property, i only started pension last year and wife doesn't have one. Thanks in advance.

Hi folks i have a savings certificate with An Post ending next week and with my money from Rabobank i don't know what the best thing to do with it, approx 65k. The 10 year An Post bond looks attractive at 16% or is paying down the mortgage / AVC into pension a finacially better or more sensible...

paid 1100 only a couple of years ago so shop around and don't be afraid to ask your first quote can they do any better also, it's too high. good luck with the switch!

What's the chances that AIB match Ulster for their 5 year fixed rate if i threatened to move? Their 4 and 5 year rates look excellent at the moment.

I was thinking would it make any difference to pay a lump sum while the rate is 3.3% or would it be better to make it if the rate was 4% for example, with no other loans or debt to pay back. But it surely makes no difference, just wanted to double check. Thanks Brendan.

Does it make any difference what the interest rate is when you make a lump sum repayment or is that irrelevant?

The new company you are thinking of switching to will probably have their own list of people that can carry out the valuation, check out their website. It will be a present day valuation so no I don't think the solicitor goes by the previous mortgage. Mine was about 80k less than when I bought...

Yes it's just a valuation which costs 150. they are only valid for so long so I had to get a second one which cost another 75, guy was in and out of the house in a minute. Have an idea what you would like the valuation to be so you get the desired LTV rate with the new bank. My solicitor charged...

For galego, gnf and qwerty5, The move was from the EBS to AIB. I contacted Revenue and she said it should be in for the next mortgage payment at the end of this month, and the payments will be spread over the year if they missed January. I will update in a few weeks hopefully.

Hi Galego, I'm in the same position as you having switched to AIB but haven't received TRS yet. I know on Revenue site it takes up to 8 weeks. Did you receive yours yet or how long did they take to organise it for you?

Hi Brendan, 1) my new SVR with the EBS is moving to 4.33% so it seems to make sense to move to a 1 year fixed at 4.15% and see where the rates are in a years time, rather than go with a longer term rate? 2) has there been any hint that the SVR at the AIB'S brand will not be influenced by the...

Hi Brendan, i took out my mortgage in 2005 on a standard variable and in 2006 was offered the opportunity switch to a tracker, to which i accepted. The condition they said was as we took a mortgage of over 250k out. It was never implemented though, do you think i have a case?