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We bought our house in the last couple of years and paid for a replacement car recently so ran down our savings quite a bit. But about 25-28k in savings a year is about right

Ok thank you - this is quite a flaw in my plans and is very useful to point out. I need to check the assumptions in the pension website that gave me that figure. With a rough calculation of 3% annual return and 25k a year put in it between myself and employer would be more like 1M or just under...

Green, Trees, Luas, mountains! But my badly made point is that it’s as accessible and pretty as the other southside areas within M50 - to counter the requirement that the OP has to restrict to within M50 and the value in stepaside and onwards versus dundrum for example is a lot better. I’m not...

Just outside the M50 but sandyford and stepaside are very safe, very “southside” feel, good schools and transport links and great amenities. Lots of new builds going in. Gorgeous walks up the mountains.

We made the decision to fix at that rate based on advice and info here - this is such a brilliant forum and resource, I can’t imagine how much €€ you have saved all of us financially illiterate punters over the years!!

No not being facetious - it is probably the most important thing we need to do to derisk / improve our financial futures in case one of us dies!! So yes it’s in relation to tax and succession issues!! We are happily (and romantically) together a long time and if common law arrangements were...

Ok that’s straightforward thank you Brendan and yes we are a little bit financially illiterate!! I was wondering given we only pay 2.2% that investing it would be better but if it makes sense to pay down then we’ll really consider that.

Many thanks in advance for any insights! Personal details Age: 48 Partner's age: 49 Number and age of children: 3 (10, 8 and 6) Income and expenditure Annual gross income: €130k Annual gross income of partner: €55k Monthly take-home pay €5800 me, €3500 them Type of employment: both...

Great thread - thanks in advance Current lender - ulster bank Outstanding mortgage balance (how much you still owe) - 378,000 Approximate value of your property - 625,000 The date you started your fixed-rate mortgage : March 2020 How many years you fixed for : 5 years Your current mortgage...

Thanks Brendan - I’ll get onto them tomorrow for the break fix fee. I checked last year and it was quite high.

UB mortgage: 20 years 6 months Amount mortgaged: 408k, remaining 385k Date you fixed: 1st March 2020 Period for which you fixed: 5 years Fixed rate: 2.2% Fixed until 31.03.2025 Monthly payment: 1950 LTV is about 68% but possibly higher given recent house sales in our area Do I start looking...