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Mortgage application is dead as a result of CCR report!! I've just received the CCR report and now applied to have it amended. I've also logged a complaint with the bank. Any ideas on how long it'll take to get sorted?

I am in the process of switching my mortgage again, fourth time in four year. My current application has been stalled as when the credit check register was checked it said I had arrears for 6 month in the past. I have never missed a single payment and never been contacted by bank about any...

Thanks for that. I think I'll fixed for the 1 year and then break.

I have completed that application ie. all paperwork and valuation. Im hoping to be done in the next 4-6 weeks. I think it would be as close to breaking the one year rate after getting it. I've the forms signed and ready to go. Either way I'm switching Id just rather make as much as possible from...

That would be great. Thanks

I’m currently in the process of switching mortgage from BOI to EBS for the 2% cashback offer again. Last summer I fixed with BOI for 3 yrs at 3.1% (210k), 2 years of the term are left. I rang BOI to see what the breakage fee was and it was €450. They then queried why I wanted the breakage fee...

This only makes sense if the other 2% cashback mortgage providers are also enforcing this 2 year limit. EBS do not their 2% cashback offer to anyone who has previously availed of a 2% cashback offer. I'm not sure about BOI.

I switched mortgage in summer 2017 from KBC to BOI to get the 2% cashback offer. I now planned to switch again to PTSB to get their 2% cashback offer. When I rang to start the process yesterday, I was told I could not switch to them as I was with my current mortgage provider for less that 24...

I have recently switched my mortgage to KBC. I set up a standing order to make a monthly over-payment. A few days after each payment I received a letter from KBC telling me my monthly repayment would reduce by a few euro. I rang and they told be that the term was fixed and they were reducing the...

Hi Redback, I am currently in the process of changing from BOI to KBC. We were in a similar situation. My spouse was permanent and I was on a one year contract. When I got a second one year contract in the same school KBC let us apply and it is now progressing. They did look at P21s for the last...

It now looks like the Government has gone as far as it is willing to push the banks in terms of reducing variable interest rates, should we be pushing them to stop the gradual reducing of the tax relief for mortgage interest paid and reinstate it for all mortgage holder and not just for per 2013...

We put in a Nibe ground source heatpump in 2010. We are very happy with it, it does all our heating and hotwater.

Thanks Gianni, I'll have a look on boards.

Thanks Leo. Not the answer I was looking for, but it does explain.

I recently received an email form Vodafone informing me that from the 30 June I will no longer be able to send or receive text messages from my landline. This is an issue for me as my house alarm texts me if it goes off. I rang Vodafone about this to see what could be done. They told me that...

Clonback, That is a great outcome! Am in a similar position paying 4.05% SVR. We are not in arrears and actually overpaying our repayments with LTV of less than 75%. I threatened moving to KBC. The best BOI came back with was offering a 2 year fixed at 3.8%. Just wondering what you have done...

Would consider fixing for 1 year @ 3.7%, as i think BOI will continue to be slow in lowering their rates, but wouldn't for 2 years.

Can a loss on selling Irish life shares be used against the tax on sell of profitable units in an Irish Life Scope fund?

BOI got back to me with the same as shweeney offering 2 yrs @ 3.8%. They said the 3.7% for 1 yr, is new business only. No movement on the variable rate.

The Government could increase the TRS to 50% for variable mortgage holders only, until proper competition drives down the variable rates. This would effectively reduce the interest portion of repayments and not levy the banks at the same time.