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Some great points noted. As mentioned above, your ultimate question has to be - Where would you like to be long term? If kids are moving schools now, will they potentially have to move again in another few years if they start in Dublin now and then you subsequently move to Tipp? The...

There is a group on FB called 'Self Build and Renovations Ireland' from which you will probably get all the answers you need to the above. Best of luck.

Well done is right - We work too hard to earn a living to be complacent when it comes to one of our biggest outlays. Always helps to shop around and if your current bank won't do you the best deal, there is another one out there that will be only too glad to! Best of luck.

Firstly, well done in getting yourself into a <50% LTV position. If you go to bonkers DOT ie/Money/Compare Mortgages section (Won't let me post the URL), you can see all rates and offers available to you based on a preference of fixed or variable. I moved from BOI-KBC-AIB a few years back as...

BOI reduced our SVR, but would not match the lowest in the market, so we moved anyhow. Call them and tell them you are planning to switch to see what they will offer you..However, as mentioned above and as previously confirmed by Richie Boucher, they are deliberately keeping variable rates high...

- Switch mortgage would be the first obvious one AIB, 2K cash back and 3.1% for <50% LTV - Are you on a good mobile phone plan? T*sco mobile SIM only - great unlimited deal for €25 per month - Stick to Lidl or Aldi only for a month and see if you notice the difference in spends. Don't do the...

Hi tea4one, In my experience, our solicitor drew down (in your example above) 200K, used part of the 1.5K to cover their fees and then transferred any surplus to us via bank transfer..

Yep, it does appear to be 3.7% with UB for >61-80% LTV. The 3.1% rate is offered by KBC for >60-80% LTV...

Looking at the thread, another user today posted success with BOI also. But yes, this one looked to be moving from a variable rate to a fixed. Nonetheless, due to personal circumstances or otherwise - if someone is happy to fix as opposed to switching providers, they can at least potentially...

See attached excerpt from a post in the past 24 hours on a great FB group. Users have confirmed that calling into their bank and asking for a better mortgage rate has in some cases resulted in a successful reduction. Obviously may not work for everyone, but it is definitely worth the phonecall!

@gnf_ireland Thanks for your comments, just to clarify - we have three small children under the age of five, so have the associated exorbitant childcare costs that so many others have also. We do not earn enormous salaries, but choose to shop around for the best value mortgage so that our...

Engaged same Solicitor (cost was circa €1,500 including VAT, Outlay etc), however AIB gave us €2,000 cash back. With the previous move to KBC, we received €1,000 cash back also. The KBC rate was much better than BOI, so it made sense to do so even though it cost us a little in the process...

PPR in Dublin was purchased in 2014. Variable mortgage of 4.3% with BOI. Interest rates subsequently started to decrease and banks started offering cashback to switch. KBC offered us a variable rate of 3.55% plus €1,000 cash back to move [Broker we used was also offering free home insurance...

BOI offered us a two year fixed of 3.8% also, but we told them we did not want to fix under any circumstances, so they then reduced us from 4.3% to 3.9% variable. We went through a broker, it has taken us 4-6 wks so far as I believe KBC understandably have a backlog, but we now have the loan...

BOI also reduced our variable rate from 4.3% to 3.9% after threatening to move to KBC - We drew down our mortgage last year at less than 60% LTV. However we informed them that unless they match KBCs rate of 3.55% (<60% and moving our current account also), we would move our mortgage as the...