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Hi, I live in a small housing estate with some greens that are considered common areas. The local council recently confirmed that the green area near my house and road are NOT in their charge and are the responsibility of the residents. The houses were built in the early 1970s and at the time...

Went for the five years again.

Yes the second letter came and luckily the break fee is zero. So all the forms are signed and returned.

The only other thing I’m struggling with is whether to re-fix for 5 years at 2.2% or go 10 years at 2.8%? The 0.6% difference seems a lot now. But in essence it could be one increment of many by the ECB. In five years if ECB rates are 6 or 7 percent then 2.8% looks like a bargain! But it makes...

Ah okay that makes sense thanks. I received the first set of forms Tuesday having emailed UB on last Friday. The only form that arrived is their current interest rate offerings for various terms, it also gives indicative break fees for each option (based on six months interest), but makes no...

I emailed UB last Friday about refixing a 5 year that has 3.5 years to run back to 5 years. They sent me all the forms with options ranging from 2 years fixed to 10 years and variable etc. However there is nothing about a breakage fee. Do I have to request that separately? I assume so. The forms...

Hi, I am planning to buy a house, from family, which is currently going through probate. It will be a number of months before I can buy the house, however it is not currently occupied and I want to take the opportunity to do some work on the house before I move in, mainly regarding insulation...

What is the extent of the calculations Shoomac? Are we talking 100s or 1000s in discrepancies? I don't think I have received any correspondence from Pepper or an annual statement in a few years. I am not sure where to even begin to determine if they have calculated everything correctly. I have...

Is this write down offered on all Danske trackers or only the loan book that was bought a few years back?

Yes by “home improvements” I do mean an extension, new kitchen etc. I think I’ll take your advice and try again to engage with my lender and see if there are any discounts on the table. The last time I rang was when the change over had just occurred and I spoke to customer services. At that...

Variable rate customers have some thinking to do https://www.rte.ie/news/business/2018/0216/941278-variable-rate-customers-have-some-thinking-to-do/

Thanks for the responses. Yes I rang Pepper and there are no possibilities of keeping the tracker and borrowing more as Pepper is a separate company to the one now holding the old Dankse mortgages and also there are no offers of a discount (probably as they paid 95 cent in the Euro to buy the...

I am trying to make up my mind on two possible scenarios. I have a tracker 0.55% over ECB rate, which is currently an excellent rate. 19 years left. (250k remaining) Is/was with Danske so equity release/remortgage and keeping tracker is not an option. I wish to borrow 75-100k for home...

Want to borrow between 50-75k Didn’t get into the amount or credit check etc. The reason given was there’s a new policy on no loans for structural or extensions. Just seems very odd.

Just wondering if any one has an opinion or info on this. I was in PTSB today to discuss getting a personal or home improvement loan to build an extension on my house. I have a Danske tracker mortgage so don’t want to remortgage and cannot top up with current mortgage owner. The guy in the...

Looks like I'll have to go with a personal loan for renovations if this is the case.... I wonder also is this an indication that the likes of Pimco see interest rates rising sooner than is generally thought. The loans aren't all trackers and I assume (perhaps naively) that higher rates give a...

Pimco and Goldman Sachs seem to be in the lead on the Danske loan book purchase. Interestingly the purchase seems to be as high as 95 cent in the euro. Which begs the question - how will they make money on this tracker book? Will they keep the mortgages for their full term? Getting mortgage...

Anyone heard anything in relation to BOI or AIB buying the Danske loan book? Or even aware of the timeline to complete the sale? I have a Danske LTV tracker and I am planning on some home renovation after Christmas and while the personal loan route is my current option I'm hoping one of the...

@MrEarl When you say "My belief is..." is this based on how you think the market is moving or do you have more knowledge/inside knowledge of the market than most?

Hi, Finding it hard to get an answer on the following. I received a car insurance renewal letter from FBD. Was a lot dearer than before so I got another quote from another company and went with that as it was better. The disk for FDB has arrived at this point and after a phone call FDB said...