Search results

  1. T

    Switcher mortgage approved by Ulster Bank - should i switch - considering they are leaving Ireland

    Thanks OKGo, Any thoughts on the risk to move to ulster bank? the ease of overpayment with them appears to be easier
  2. T

    Switcher mortgage approved by Ulster Bank - should i switch - considering they are leaving Ireland

    Hi All, I was notified today from the Ulster Bank that my application to switch my mortgage from AIB to Ulster bank has been approved. The main reason i wanted to switch is for the low fixed rate of 2.35% (over 5 years) and also the ability to overpay by 10% when in a fixed mortgage. This will...
  3. T

    Pension Starter Questions

    Hi KeenToLearn, Can you tell me who did you set up your pension in the end with? did you go with a PRSA? can you tell me the costs involved. My current employer pays into a pension scheme and i match it. However im moving jobs and the new employer does not have a pension scheme however, is...
  4. T

    Is my pension a rip-off - private sector worker

    Thanks for they replays The new employer is not set up in Ireland yet - and has suggested they will contribute to a pension of my choice - Any suggestions here?
  5. T

    Is my pension a rip-off - private sector worker

    Hi Looking from some general help on my pension. My employer contributes 5% annual and i match that - so approx. €9,000 per year going intro my pension. This pension is active for 4 years. Below are the charges - do the look OK or am i been ripped off? · 100% of each contribution is used to...
  6. T

    Key Post I switched 4 times in 6 months

    Quick question Sean Og - do you think any of the banks you switched from will ever accept a Mortgage application from you again? Im just wondering are you starting to corner yourself with a choice of banks. Dont get me wrong - i think what you done is very smart.
  7. T

    One parent working tax credit

    Hi David, How do you apply for the carer allowance? Also are your figures above correct - add 1,800 +1500 = 3,300 and not 4950
  8. T

    Double switch

    I done a 3 switches last year in 6 months - very same as Sean Og - EBS - PTSB - KBC - AIB - It is a paper exercise - and you have to stay on top of it - but in the end it is worth it!
  9. T

    Septic tank, percolation area and boundary

    After 12 years you have a right of accesses - they are pips under the ground it not that big of a deal- the easement should say for the homeowner -
  10. T

    Septic tank, percolation area and boundary

    Dont be running anywhere - all you need to do is get your solicitor to apply for an easement - as the pipes are under the ground this should be not problem. I had a similar issue in 2013 when i bought my house. I just told the seller he need to apply for an easement from the land owner - all was...
  11. T

    How soon can I switch after cashback?

    Hi, Yep - i got approval from the 3 banks -
  12. T

    How soon can I switch after cashback?

    Hi Talbot, FYI I switched 3 times in 5 months - EBS-PTSB PTSB-KBC - KBC-AIB. Its a bit of work but totally worth it
  13. T

    What is so good about EBS?

    Hi, This was a slight issue - however, i used my original EBS statement at proof - Tommy
  14. T

    What is so good about EBS?

    Why would i be thankful to EBS? they gave me nothing only an terrible service. FYI It not a financial present - its common scene - if the offer is their go for it! its Business at the end of the day Yo mentioned you would never go for a cash back offer?For once - the banks are actually giving...
  15. T

    What is so good about EBS?

    Agreed Brendan I just feel people need to know that EBS are not the Mortgage masters and and their is a lot better value out thier Looking forward to hearing other peoples experiences! Tommy
  16. T

    What is so good about EBS?

    Hi Brendan, We will agree to disagree - EBS have not been a best buy for quite some time - in the past 6 months a least - the other banks have leaped ahead while EBS have done nothing! the reason they have done nothing is down to the sate of their existing mortgages - A lot of their holders...
  17. T

    What is so good about EBS?

    Hi Brendan, Can i ask - what is it about EBS that you particularly like? I have noticed in a lot of forms that you recommend them as the switcher of choice! Personally i would strongly disagree with this. The are probably one of the worst banks to deal with - Their interest rates are completely...
  18. T

    Mortgage Interest Tax Relief

    So is their anything we can do for the people that bought a property after 31 December 2012??
  19. T

    Mortgage Interest Tax Relief

    My point is a high % of people MIR are on Trackers already!
  20. T

    Mortgage Interest Tax Relief

    Correct me if i am am wrong but i thought a high % of the people that bought between 07/08 are on a tracker??
Back
Top