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Thanks for the info! I endured 40 mins on hold the first time I rang so I thought my delay was just a delay in processing the paperwork but it looks like it got lost in the post. I requested it online this time on Friday, hopefully it comes through before the rates increase.

Can I ask how long you were waiting for them to send the paperwork? I called about 2 weeks ago to re-fix but still haven’t received anything in the post.

Hi - i'm a bit confused as I've just got a €4k tax bill after registering as married with Revenue. In summary: Married since 2015 but only registered as married the other day. No reason we didn't do it other than we both pay tax at higher rate so didnt think there was any benefit. Obviously a...

Can anyone recommend a good painter working in north Dublin?

random2011 - the lady I spoke with mentioned sending in a cover letter so I may do that also. I'm going to call up a few more times to see how the fee fluctuates

Yeah I was quite surprised when I heard the figure - given how many on this site have been quoted 0 to a couple of hundred. Any idea why it’s so high? I’m going to call back over next few weeks and days and see if it fluctuates much.

Hi Brendan - it's €275,000 - 80% LTV

Well BOI called back and offered me the 2.8% rate. No movement on the €2700 break fee though so will call again over the next few days and see how much it fluctuates I guess.

I've been quoted a €2700 break fee o_O Got the mortgage in the summer - 5 year fixed at 3%. Moderator's note: for anybody who is thinking of switching their mortgage (or re-fixing with their current lender), consider posting your mortgage details in the switcher thread (in the format shown in...

Not in the same situation but can I ask if you know why exactly it's so cheap to exit the fixed rate? Is this something that will change? I'm fixed at 3% for five years with BOI but I just got the mortgage so not looking to switch at the moment. I think the 2.3% works out similar to my deal...

Thanks PGF2016, I appreciate your perspective and don't disagree! We are definitely going to live frugally for next few years. I agree and think increasing the emergency fund before we do any unnecessary or cosmetic refurbishments is the best approach. I guess having it there would also...

Age: 33 Spouse’s/Partner's age: 36 Annual gross income from employment: 45k base salary + 5% bonus Annual gross income of spouse: 45k base salary + 5% bonus Monthly take-home pay: 5200 pm total (excluding bonus) – pensions and health insurance deducted Type of employment: private sector In...

Hi Brendan! No I'm a FTB (husband isn't) but yes I'm probably being a little impatient. I thought things would move pretty quickly in the Dublin market but it hasn't been the case with this house. I guess I'll just keep waiting and looking. Thanks all for the advice!

Yes that's a good approach. I may just email the EA first to bring up the prospect of us and the vendor working towards a deal in the absence of other bidders. May be a better approach than just going in with a number.

Hi XMarks - we placed the offer two weeks ago now and no they didn't reject it. The EA came back, thanked us for the offer and said the vendor is hoping to achieve the asking price. I know it's negotiation 101 to wait it out but it's harder said than done when you want to close! To complicate...

I'm looking for some advice on a house I'm currently bidding on. So it's been advertised about 5 weeks now. There have been three open viewings (all very quiet) and we are the only bidders. We offered 20K under the asking price after the second viewing. We never expected that offer to be...