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Does this mean that people who would look to trade up in new year are in limbo in terms of getting a new mortgage/moving mortgage for a few months ? Or will KBC extend offering mortgages until then ?

(Hope im not going too off point) How about when us KBC tracker customers finally move over to bank of ireland ... i seen a list of BOI existing customer fixed rates v aib on a post by Brendan, are these available albeit unattractive ... Or is there a similar nasty surprise waiting for us...

Thanks Peemac, hoping to tradeup next year. 1.1% Tracker , plus extra 1.1 to move my tracker... plus 1.25 increases ...3.45 already not withstanding a couple more rises .... Have to see how the land lies in 6 months , BOI fixed wont save me will be caned either way

Hi Brendan/Paul Thanks for the advice above. Hi Brendan/Paul Thanks for the update I was very well down the line with a mortgage switch to Finance ireland at the 2.4% 10 year fixed . I was not and am not aware of the 3 year wait stipulation and this was never mentioned , i explained i planned...

Thanks Brendan To move that tracker to new home when trading up will incur a 1% add on ... so a 2.1% tracker isnt as appealing with a few rate rises coming .

Hi Brendan, appreciate you giving this the once over . 1) Existing tracker margin - 1.1% 2) Amount outstanding on your mortgage - 237k 3) Remaining term - 19 years 4) Lender - KBC/BOI 5) Value of your home - 400k 6) Might you trade up or overpay your mortgage? - (considering trading up in new...

Thanks Paul, still waiting for the white smoke from Finance Ireland , Kbc slow releasing deeds , im well down the line but it will be touch and go to get the offer by Friday broker hopeful . Ill be back to square one , refixing with KBC will really be my only option if i can get in before they...

Thanks , in process of switching ...im borrowing 237k over 20 years at 2.35% with Finance Ireland .

@Paul F Any idea what the breaking fee for Finance Ireland is , if one was to break in middle of 5 year fixed , the broker gave me a watery answer, messaged FI , nothing on site , anyone have any experience of this ?

I'm currently in the process of switching mortgages , its been approved and valuation on my own property is all that stands in the way . The new provider Finance Ireland have approved the figure i requested and the broker said they would have approved an extra 110K as well on basis of earnings...

Many thanks for the detailed prompt response !

Hi Guys , love this thread , hope I can get a steer not quite in same boat ……… Currently on KBC Variable , want to Fix for 5-7 years as we could be looking at prolonged period of higher rates , but also plan to trade up in that period and take the remainder over at that rate, so breaking fees...

So if you were deciding between fixing for 5 and 7 years there isnt much difference ? 1. Breakage fee is roughly the same , albeit 2% of reducing balance is cheaper the later you go 2. If you traded up with them would they let you take the outstanding balance over at the 2.05% , and then...

We still exist in some shape or form at least . Not sure about that figure of 27, there must be 270 KBC customers in queue for ombudsman alone at the moment …never mind the courts https://www.irishexaminer.com/business/economy/arid-40757040.html

The wait seems endless dragging on years now still with KBC , but sorely tempted to move to Avant etc and fix after few years on kbcs variable… the options/rates BOI will offer are unattractive to say the least ….. how messy will it be if i got positive result from ombudsman and had already...

How large was the piece of land if you dont mind me asking, and was it in Dublin ? Found your post above helpful glad u were sorted as regards the review of solicitors costs . Debating asking a neighbour about some waste ground behind my back garden wall ...not sure what costs would be , have...

There weren't that many KBC unresolved cases left over from CB Enquiry, 400 odd if i remember correctly . Not sure how many have made complaints to the Ombudsman outside of that number, so they could easily prioritize them and get them finished if they wanted . Any threads on what happened to...

Anyone have the text of that article behind paywall ?

Anyone any idea when the wheels on this start moving again.

Hi Peemac, my case is similar to yours . Drew down on variable and moved to tracker 6 months later , have the ECB refi rate gurantee letter , fixed in late 2007 after the unsolicited letters started coming through letter box . and the rest is history . Deemed under investigation but not impacted...