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Current lender: AIB Outstanding mortgage balance (how much you still owe) 232,000 Approximate value of your property 650000 The date you started your fixed-rate mortgage (month and year) currently on variable rate How many years you fixed for n/a Your current mortgage interest rate. 2.75% Your...

Thank you that’s really helpful.

Can I ask a silly question if I fix on AIB green mortgage rate at 2.1% for 5 years today as an example and next month I overpay can I ask how that works practically speaking. Do I need to contact them first to check if there is a break fee? If the break fee is 0 and I overpay but the the fixed...

Hi I was just wondering if anybody has been in similiar scenario where they have switched to ICS very soon after switching to another provider. We recently switched to AIB variable 2.75% (LTV < 60%) for the ability to make overpayments, having just completed 1yr fixed rate with EBS , was with...

That answer though is one size fits all because there are areas outside of Dublin and the main cities which are pockets of houses which are easy to value because they always maintain their value and are easy to sell (Long-standing sought after/desirable areas). That policy completely ignores...

Just an update regarding Avantmoney I live in the Northwest of the country, not in Dublin or Cork, but in an area where there is very high demand for houses and the price of houses has not fallen but has consistently gone up in the last 10 years. I contacted Deirdre a lovely broker in Park...

Thanks a million for all your replies. It’s really helpful to get some objective advice. I know my thoughts were a bit muddled when I put up our details but reading through your responses has helped us see things more clearly and order our priorities - decide on husband’s career break ( he has...

So this time last year we commenced a switch of our mortgage from BOI variable 3.3% to EBS 1yr fixed term 2.9% taking advantage of the 2% cashback. Switch took ages and was finally completed in mid December. I had anticipated that we would switch again or do a multiple switch and was going to be...

Moved to money makeover thread. Think I posted initially in the wrong section.

Hi everyone would you mind sending me a pm with recommendation of a solicitor to handle multiple switches. I’m based in the Northwest and have switched once but don’t think my solicitor would be happy to do multiple switches. If anybody can recommend a solicitor in the Northwest or a dublin...

Hi @snowyb I just was on to laya and they weren't aware of any price change in Simplicity or Flex 125 Explore from 1st April, just wondering where you got the info. I had a quick look on HIA news which mentions 17 Laya price plan changes but does not mention Simplicity or Flex 125 explore. Sorry...

Thanks a million @snowyb , I wasn’t aware of the premium changes on April 1st it’s very helpful to know that. Just one more query my 75 yo mum is on Vhi healthplus premium (old plan B ) and i’ve Been onto her for years to change. She has sleep apnoea and hypertension otherwise well. Inpatient...

Hi all, our health insurance renewal is coming up on 1st April and not sure whether I should change to something else. At present I am on simplicity and 3x kids are on flex 125 explore. The renewal quote is 1231.97 (Simplicity) + 343.36 (Flex 125 explore x 3) + 47.26 (credit charge) = total...

Thanks for all the replies just to add a bit more detail: I have personal pension and maximise contributions yearly. My OH will get public service pension and contributions are deducted at source and was paying AVCs for years but on reviewing the long term tax gain from paying AVCs decided to...

Age: 37 Spouse’s/Partner's age: 42 Annual gross income from employment or profession: 135,000 Annual gross income of spouse: 55,000 Monthly take-home pay 8,600 Type of employment: one civil servant, one self-employed In general are you: saving Rough estimate of value of home – 500,000...

Ok sorry Brendan just trying to get my head around the last thing you said which is I could continue paying the 200 euro each month and they will credit it as an overpayment but will not reduce the term or the overpayment unless I ask them to? So how do they credit the overpayments if they don't...

Hi all I recently have overpaid my BOI SVR mortgage by 200euro each month and hope to continue to do this monthly. I Wanted the term to remain the same and the monthly repayment to be recalculated. So on the first month I did the transfer by banking 365 to my mortgage account of 200 euro and...

Thanks Snowyb you came up trumps again, great advice! Contacted Laya and they allowed me to change DD1's renewal date to April 1st so was able to avail of kids offer on flex125 explore for all three kids! Thanks again.

Thanks Snowyb got the renewal letter from Laya yesterday which is probably why I'm getting ahead of myself thinking about the options early. Will wait till closer to April 1st to have another look at the kids options.

Clonback,AIB are offering APR of 3.1% variable rate LTV < 50% with 2000 euro towards legal fees and KBC are offering APR of 3.0% variable rate LTV < 50% and 2000 euro towards legal fees for switchers at the moment.