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thank you Paul for such a comprehensive reply , i have sent my form back to PTSB BOI which showed the 3% 5 year Fixed rate. If they don't accept I will move to AIG green rate . I have applied online and received AIP . My financial outlook is strong and both myself and partner are in secure...

Hi All - seeking some advice on my current situation as looking to switch now from BOI . Was all set to extend current deal with BOI but looks like i missed the boat with their 3% 5 year fixed rate deal. My updated current situation: Current lender: BOI Outstanding mortgage balance: 317k...

Thanks Brendan - I guess BOI looks like a good 5 year option of I wants stability for next 5 years & the rate better than the combined PTSB rate .

Switching from PTSB Portable Tracker Very nervous I make wrong choice - Need some advice please ! History I bought a new house 2017 & due to not having a lot of time to close the deal i availed of the PTSB Portable tracker product I transferred existing tracker mortgage ECB +1.68% to...

Need urgent Advice required : In latter stages of contract negotiations - Buying house in SDCC area Our vendor bought their house in 2011 however it has transpired that at the time they bought the house their solicitor never got an exemption from the previous owners from SDCC that it was a...

Assuming that I don't have enough time to go down the EBS route with closing date so close Etc If I stay with PTSB and the Trackor rate increases (which there are indications ) I could be up at tracker rate of + 3% and What ever the SV is at the time which looks likely to be 3.7 % after year...

Any timeframe of when u think this should happen ? We are closing the house in the next 6 weeks so I don't think the EBS option will be a runner for us . - if I continue with PTSB do you think it could be the case I could have higher trackor rate than SV rate

Thanks for replies PTSB are offering on the €150k @ 3.2 discounted for 1 year , they sent me their current rates and it looks like there standard variable rates after that are 4 % so I am assuming it will revert to that. PTSB will not give any cashback even on the new part . I have checked...

Urgent Advice required We are trading up ( house too small) We have tracker with PTSB in existing house @ 1.68 % @ € 215k They offering us uplift @1% to keep tracker and new portion of loan will be at standard variable rate IE New house €535k We putting €180k towards it So total finance...

Thanks for all advise . I'm going to take on board and go speak with my bank. And Moneyboard I fully agree the mentality around at the time was crazy. I certainly won't be encouraging my kids to go buy houses together.

Sorry for late reply. I know it's very complicated - a right mess. We never had an agreement in place I was only 21 years old. Never thought that 10 years later We would still have houses. I guess you could say we just coasted along hoping that we could just sell the houses and get out of the...

First time poster so please go easy if I don't include everything. I feel I am in a right mess situation is as follows House 1 In 2004 bought house with my brother . Only with my name on the deeds and joint names on the mortgages as the plan then was to buy him another house which is what we...