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This has now updated on my Pension statement on Gov.uk from age 67 to age 68. Hope it doesn't go up anymore. I'm 43 now, I think it depends on current age. I just made a lump sum back payment and came here to check how long before it should be processed. and then saw that year change when I...

Thanka for the details. I'll try and set up a login. Nice to see the payments going in and the capital falling.

I've asked PTSB in an online chat but they said I've to ring a number to find out. Not sure why they can't just tell me or send me a help page which explains it. My searching is not giving results. Is there a "Manage my Mortgage" page somewhere where I can register to see my balance, see the...

I would probably agree with your rationale it it about more than money to you. We just sold our house to FTBs, about 3 weeks ago. We are now renting. The downside, if you exclude the prices side of things is that we have that old renting insecurity feeling. We will have to pack up all over again...

Just to update, I haven't received a breakdown from Ulster Bank of any penalties for breaking our fixed rate early. We redeemed our mortgage by selling our house. But they refunded me an overpayment of the closing balance (an overpayment by the solicitor as there was a mortgage payment made in...

Thanks RedOnion, thats what I was thinking. Hopefully I will be pleasantly surprised. I can see mortgage account disappeared yesterday from my online banking so hope that means its currently being processed. Will update when I get a definitive result. w

I was using the above UB example to work out what my own early redemption charge would be. We have sold our house so will redeem the full amount. UB have given me an estimate of the charge to be €1500, but using the calculator I am getting €0. Where could I be going wrong? Took out fixed rate...

Thanks, yes that's what I was wondering too, but I hadn't planned that far ahead yet. Assume living somewhere in between is inevitable, but hope we can do it for short a time as possible. It might have to be a mobile home/cardboard box on site I don't know on building costs at all. It's very...

To add some figures like everyone else does, we are on an Ulster variable of 3.2% with combined income around 100,000. I've a good relationship with my Ulster mortgage broker so I will talk to him too, but I'd like a few ideas of what I need to ask.

Hi, I'm confused about how this process will work. This is our situation. We have a house worth around 300,000. Our mortgage has 150,000 remaining. We are making over payments every month of about 500 and have been for over a year. We have about 15,000 in savings, adding about 1,000 each month...

What do you mean by have over 200k? Is that the mortgage amount does not have to be over 200k? I can't see it on their website. It has a Loyalty Plus for over 200k and the Loyalty, assume it means for under 200k. It says: Loyalty Plus Our Loyalty Plus rates are available to Ulster Bank current...

Yes thanks, can't find what you are referring to online. What's it called?

The Rabobank investment accounts are closing this April. I want to use something similar for long term (5 to 10 years) regular savings where I can chose investment bonds or have online visibility, like what Rabo was offering. What's a good alternative? I found Irish life does something similar...

Yes Leo, you're probably right. I wish the estate agent was straight with me from the start though instead of stringing me a long and wasting my time.

Also, I'm not thinking of approaching the vendor. No way! I looked up who he is to get some sort of clue of what may be happening. Just not sure what to do with that information now.

I know how to deal professionally and politely Bronte. Thanks for the advice though. I waited around for him to call me back professionally for the first two weeks and he never returned my call. I could wait forever politely but its not getting me anywhere. Yes, I know there's a myriad of...

What do you mean, overstepped the mark in what way? The house is advertised for sale so I'm trying to buy it. I don't know if the seller doesn't really want to sell it or not. Who knows whats going on? If I was the seller and genuinely did want to sell it, I'd want to know if the estate agent...

Hi, I'm hoping someone might be able to give me some advice on who to turn to. A house appeared on Daft 3 weeks ago. I really want to buy it. We have mortgage approved, solicitor instructed and are ready to go. The house is empty and looks like it has never been lived in. The ad is very brief on...