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thanks for that, it helped me track down that I had 2k HRI tax credit in 2019 that they had on the form, but I needed to copy it into one of the boxes to actually apply it. Otherwise it was being looked for in back tax, even though they had already given me the credit. They really should make...

Yep, have paye tax credit in there, will try to zero out rental and see what it calculates, thanks for idea. Fidel the definition of nearly 70% tax is that they want 8200 from me on 12000 taxable income. I know it‘s not right, hence the thread!

Have done partners tax return last few years and bills were more or less as expected, first time doing mine this year. taxable rental income of 12k, ROS site is calculating a liability of over 8k. Apart from the available deductions to reduce the rental income to reduce the taxable income I’ve...

That rate should be 3.0 now, they have moved their 5 and 10 year rates down, weirdly now only .1 between their 1,2,3 year and 5 year rates. I’m coming to end of a year at 2.8 and they seem to be now saying 2.9 is best they can do, but that seems likely to change, the question is when...

While I was looking at rate options there was an option on BOI site to just ask for a rate offer, I did this and they have emailed me a docusign offer to move rate to 3% on any number of years. Assuming a small break fee for .45 drop. . I’m thinking of just moving to the 1 year 3% for now...

I didn't suggest that at all. They would treat it just like any other tracker mover. If house mortgage was 500k and apartment outstanding mortgage was 250k they would provide a new mortgage of 500k, 250k or which would be a tracker mover at 1% over the current tracker rate. The balance at...

I don't think anyone suggested not looking at the numbers? If the OP comes to AIB in a year or two looking to clear one mortgage but move the tracker portion on to his existing home, by moving that mortgage to AIB also he will find them very receptive to getting the extra 1% on the tracker...

Our recent experience was better than your offer from AIB. We decided to keep apartment though and plan to rent it out. Doesn't make sense to give up the 1% extra imo and if any investor was offered your apartment at tracker rates they would snap it up. It is a risk, but a good one. BOI and...

We are planning to take the 1 year fixed. Not sure the benefit is to tying yourself to a 3 or 5 year rate? When you are just coming out of the pain of the last time you fixed? Be very much worth looking at moving mortgage also imo.