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Has anyone got this card yet? I applied on day they came out, then uploaded requested documents on 03/02/19 and its still pending. Their website claimed 24 hour approval amd card within a week.

It was from Swords branch of EBS in October 2017. I was told by email Yes any over payments that sit in credit will be deducted off the loan balance for the purpose of calculating interest. For example your capital balance is 100k, you have 5k in credit, the interest is only payable on the...

Ulster Bank are masters at getting low rates announced in the media. The headlines used by media nearly always imply that rates for all mortgages will reduce. But when you get to the fine print its always for mortgages in excess of €200,000 only.

I asked a branch manager about over-payments on my EBS mortgage last September. The following is copy and paste from the email replies I got: Please note any payment will sit in the account in credit unless we get a signed instruction from you both confirming if you wish to use the Capital...

Hi We switched from Ulster Bank to EBS last December. Currently owe €189,000. Paying 3.5% variable. House value €315,000 approx. Considering switching again after we have 12 months repayments with EBS. Not sure what Bank and rate we should be looking at. We only switched to EBS for cash...

Thank you Steven. I will continue as before so.

Hi, I work for a small company in Construction Industry. I have the following pensions: Pension A: A pension with Aviva that I never contributed to myself. This pension was set up by my employer in 2001 and they paid money in for a number of years. However due to downturn in industry they...

Thanks for that snowyb, much appreciated.

Hi, I took out health insurance a few years ago for: Myself 42, Wife 41, Son 22, Son 14 Basically when I took it out it was because I read all the warnings etc. about age rating if I were to take out a policy in years to come. I more or less went for the cheapest on the market which was LAYA...

No there is no minimum as far as I am aware. I plan to wait 6 - 12 months and I will then try to move to AIB. EBS looked for the past 6 months mortgage statement from myself so I presume AIB will do the same. I presume when I apply to AIB and they do a credit check they will see I was recently...

Hi, I thought I would post my experience of switching from Ulster Bank to EBS recently. Was with Ulster Bank (previously First Active) since 2005 Was on various fixed and variable rates during that time. In early 2015 I found Ask About Money and started to consider switching. I owed approx...

justo, I change rates with UB over a year ago. You ring them and ask them to send you out a letter/sheet listing the rates they offer. They send this by post. When you get it you get it you select the rate you want and post it back ** . I think their SVR on 60-80% LTV is 3.7% ** You will...

The topic title and the Indo's article title are slightly misleading. They should really have the word "some" in them.

Am I right in saying that if you currently have an Ulster Bank Variable rate mortgage of less than €200,000 then these new Ulster Bank rates change nothing for you?

Hi Switchornot, I am currently looking at switching, most likely to AIB. I had seen previously on this website that AIB are introducing a €2000 legal fees incentive along with their new rates in July. Are they giving this to applicants like yourself who are in the process of switching? I plan...