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I hear ya thanks Paul

Thanks a million Paul for the quick response. I’m think I’m gonna go for the 10 year fixed with KBC @ 2.85%. No paperwork and security for 10 years. Do you think I’m stupid do to be leaving 2 years of 2.55 to go to 2.85 when it is only .5 less than Bank of irelands would be 2.90?

Current lender: Kbc Outstanding mortgage balance: 95K Approximate value of your property: 350k The date you started your fixed-rate mortgage: May 2019 How many years you fixed for: 5 Your current mortgage interest rate: 2.55% Your current monthly repayment: 535 approx Your property's BER: B3 Are...

It was an offer that PTSB were running back then that if you opened a current account they were offering free banking for life.

The 48 @ 10 Euro a month is 1,000,000% the way to go.

Ahh I see it know. Sound as a bell I understand.

If its all the same to you id still like to know what specific share the poster is talking about.

Hi mate to be honest the gathering of the docs and statements were grand. It was the last minute requests from KBC that annoyed me. I was only switching 100,000 so the reward was small 3,000 cash back minus 1,300 between valuation and solicitor so 1,700. The real saving for me was the rate.

100% right just had the same with a switch for PTSB to KBC and only switched once from 3.7 to 2.6 fixed for 5 years and head is melted. Don't know how these boys are doing multiple switches id be in the mental. Its not worth the stress.

Heres your Brother Brendan I too am curious. Id take 5% with minimal risk all day

Hi I am currently thinking of leaving PTSB that I am with on a 3.7% mortgage for a 5 year fixed mortgage with KBC @ 2.6% and 3,000 cash back. My question is, Is there any point in asking PTSB if the will give me the 2.85% fixed mortgage and 2% cash back the are offering new customers at the...

I have a credit union account, so I intend to lodge cash to there and transfer across online.

I was thinking initially of going to Ulster to fix for 2 years @ 2.3 but you reckon that variables might have gone back up in 2 years time so I thought it would be best to fix for longer and get the 3,000 from KBC also

Well Red my Credit Card is always cleared immediately after I use it. Do I even need the fecking thing?. Only thing is I do a bit of Traveling.

Brendan/Red I have 103,000 left on my Mortgage with PTSB on a variable @ 3.7% for 17yrs. I have all my accounts with PTSB, Current, savings, Credit Card etc. There is no value to be had from them on any of these items at the moment. If you were me would you move everything to KBC. Mortgage -...

Red can you open their current account extra to receive that extra 0.2%

Thanks

Thanks for that Ciaran. What is the charge on a postal order?.

Hi Brendan. Do you not have to be an existing customer with KBC to get the 2.5% is it not 2.7% for new customers.

Is there any huge down side that anyone can think of for having the 2,500 sitting in the current account?. Its not as if there is money to be made on this amount in a deposit account anymore.