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    Does ICS discriminate between new and existing customers?

    I have been away for a bit with Covid and only getting back to looking at this now. I haven't contacted ICS yet but just had another look at their website today and they appear to have changed the Ts & Cs for existing customers to avail of the lower rates available. At least I have not seen...
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    Does ICS discriminate between new and existing customers?

    LTI and disposable income are not an issue. Our circumstances have changed as in we have now sold the 2nd property so will try to talk to them again in a few weeks.
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    Does ICS discriminate between new and existing customers?

    This is the one company. ICS old or new. They cherry picked the performing mortgages from B of I. We had no say in our mortgage being sold to Dilosk and they have decided to discriminate against us.
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    Does ICS discriminate between new and existing customers?

    First off thanks everyone for highlighting this. The mortgage is on our PPR but was taken out in 2011 under Bank Of Ireland mortgages maybe. Think it was a version of ICS at the time??? It was part of the 250 million of mortgages taken over by Dilosk but I cant remember the year. Maybe 2014 or...
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    Does ICS discriminate between new and existing customers?

    We have applied for rate reductions over the years and got down from 3.95 to 2.95 but still well shy of new business rates. We have no issues in relation to credit just waiting for house sale to have a less complicated switching process. Obviously if they offered us new business rates we would...
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    Does ICS discriminate between new and existing customers?

    It was confirmed on phone the rates are new business only but as an existing customer you can apply for a rate review. Its basically a a question and answer session on the phone while a customer service agaent records your answers in relation to current income, expenditure, loans, savings, kids...
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    Does ICS discriminate between new and existing customers?

    Confimed on phone. New business only
  8. P

    Does ICS discriminate between new and existing customers?

    I am concerned that existing loyal customers of ICS are not allowed to avail of the recent rate reductions announced. There are no rates for existing customers on their website. The Indo mentioned existing customers but it doesnt say anything about existing customers anywhere else
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    Avant Money launches a new mortgage today from < 2%

    It states it is waived if you take out your mortgage protection policy with a sister company prior to application being submitted.
  10. P

    Which Avant Money brokers do not charge fees?

    It states it is waived if you take out your mortgage protection policy with a sister company prior to application being submitted.
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    Avant Money launches a new mortgage today from < 2%

    I submitted an enquiry with one of the brokers online and they automatically retuen a list of all the documentation as required to submit application and €500 for the privilage.....€500 for forwarding documents to Avant....... It is a pity you cant apply directly to Avant.
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    Which Avant Money brokers do not charge fees?

    I submitted an enquiry with one of the brokers online and they automatically retuen a list of all the documentation as required to submit application and €500 for the privilage.....€500 for forwarding documents to Avant....... It is a pity you cant apply directly to Avant.
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    Avant Money - new entrant

    I have 20 years left on my mortgage and I would take 20 year fixed at 2% all day long. I have a LTV around 35-40%. Hopefully if they do come in they will shake things up.
  14. P

    Ombudsman: No reason to expect that "variable rate" related to a tracker rate

    Thats where the terms are grey.... how grey is up to the ombudmans i suppose....
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    Should the current account fees be a factor in choosing a mortgage?

    I pay roughly €25 per quarter in current account banking fees with AIB. I dont keep more than 2500 in the account unfortunately...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    On the EBS Variable Base Rate Cohort or a particular case?
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    Any ideas for making the mortgage rates an election issue?

    Purely biased from my point of view but refusal to offer new customer rates to existing customers needs to be addressed.
  18. P

    Adding partners name to title deeds during switch.

    I got a quote for same in September 2017 for €1300 incl VAT and all outlays. Remortgage Legal fees €700.00 VAT thereon @ 23% €161.00 Land Registry fee on Mortgage €175.00 Land Registry Fee Folio...
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