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No I didn't get a written break fee. I might ask them to send me one but from what I can see it's a lottery. For example my breakage fees have ranged from 1800 to 3600. So if for example I decide to fix at 2.8% today and the fee is 1800 I send off my letter but when they process it in a few days...

LTV is 65%

No I rang today and she said there would be a breakage fee. The first day when I asked about moving the breakage fee was 1,800 second time I rang 2,800 and today 3600 so don't think it's worth my while changing

A while back I rang BOI about changing to Ulster bank and enquiring about the breakage fee. This week I got a letter offering me 2.8% for up to five years . I'm currently fixed at 3% for five years. The letter just asked me to tick box of choice and return but there is nothing about a breakage...

Can I ask about fixed rate breakage fees, does this seem right. From reading other posts people who fixed recently enough seem to have no or little breakage fees. I fixed in Jan for five years with BOI @3%. We have 26 years left on mortgage of 227K. When I rang on Tues was told the breakage fee...

Thanks so much for that

I just fixed earlier this year with BOI for 5 years @3%. We're happy to fix for the next few years with young children and high childcare costs. Anyway we have 26 years left with 227k left. So given people are getting offered 2.8% with BOI and other banks are offering lower interest rates I rang...

So my understanding is that a lady died in 2002 a first cousin once removed and my mother and her first cousins are nearest relatives. My mother and her first cousins didn't know this woman existed because their parents mother died when her kids were very young three and five so they didn't know...

Do I enjoy my career? For the most part yes I do and it is a privilege to teach young children and impact on their lives but the job can be very frustrating, there are a lot of boxes to be ticked for the sake of it and to cover your ass basically and not actually for the educational benefit of...

I am a primary school teacher for the last 15 years so feel free to ask any questions. I think the best advice I can offer is to get into a school and see what you think with some real hands on experience. You will have to be garda vetted to get into any school so keep that in mind. As for hours...

So this weekend marks the end of our two year fixed rate with BOI at 3.6%. Think that worked out well for us. Baby number two on the way with a possibility of number three in 2 years time so money is going to be tight with Childcare for next few years. We were going to fix with boi for 2/3 years...

Only thing is we want to fix again because the SVR with BOI is too high

So basically I've been gifted 20k from a relative who passed away. We are currently coming to the end of a fixed rate of 3.6% on our mortgage. We have 249k and 27 years left on mortgage so based on BOI overpayment calculator if we pay a lump sum of 20k we will save 29,668 euro and knock 3yrs 5...

I don't know much yet. A first cousin of my mams rang to tell her this and said a solicitor in England would be writing to her in two to three weeks. I'll keep you posted

And there's no time limit, one of the first cousins is dead 15 years his family still get a share?

So, I'm a bit dubious about this but here it goes. My mam got a phone call to say a distant relative had passed away and her and her first cousins were the nearest relatives. A lady that they have never heard of apparently died in Dublin and she would be their first cousin once removed. Mams...

Thanks for your reply. Yes fees at 1.5% which is why he said there would be no point in putting money in a low risk fund. It'd have to be medium risk. I've looked quickly at KBC but it seemed to me to get a decent interest rate you have to open a current account which I've no interest in. Your...

Apologies if this post seems really silly but I don't have any experience in investments at all. We had a meeting recently with the investment manager of our local BOI. We were looking for advice on what to do with the children's allowance in order to have a college fund. We are in the fortunate...

My uncle recently died. His car is not specified on the will I assume it has to be sold and money put into estate, how does this process happen? Who sells the car?

Given recent discussions on this forum, it seems minister Noonan won't be putting any more pressure on banks to reduce rates and it doesn't look like BOI will be reducing their SVR anytime soon. Since we are at 4.5% we feel it makes sense for us to fix. We can get 1/2/3 year at 3.6% or 5 years...