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So you don't see any issue? I can work 1.2 ?

I'm 45, and currently employed in a full-time, permanent role in the public sector, 16 years, with pension. I've accepted a permanent part-time role in another public sector department, but it is 0.6 FTE (21 hours). The role has the potential to be full-time 1.0 in future. This is a career...

I got more clarification. So the December payment was not taken because of the timing that the amendment form was processed. Importantly, there will be no December payment due and there will be no double payment to make up for it in January (I had presumed otherwise). Hence the extra €5 to...

But their representative wasn't very knowledgeable or able to explain it.

I did, they gave me some ramble about change in term.

Monthly, no change in that respect

Perhaps, but I didn't ask or want them to skip December's payment

Our mortgage payment is scheduled for 17th of the month. I asked bank to change this to 1st of the month. They skipped this month's December 17th payment and the new schedule will commence from 1st January. However, the payment has increased by €5 euro per month. Is that to be expected? I'm...

I We're in the same boat. 1% cashback due after 5 years. I spoke to BOI on Friday. You must retain mortgage (& current ac) with BOI up to and including the anniversary date in order to qualify. Cashback will be lodged 45 days afterwards. Tell solicitors to move on 7th September.

Hi Brendan, Thanks for all of this. Historically, do AIB discriminate between existing and new customers? Who are more likely to treat their existing customers better, I can't decide between Avant/Haven/AIB - I'd much prefer not to have to switch again in 4/5 year's time.

Ptsb may save me So ob, the only clear winner is Avant 1.95% since its the lowest interest rate. Ptsb cash "Switching immediately to Permanent TSB's 5-year green fixed rate (2.35% with €6,127 initial cashback and 2% monthly cashback) will save you about €9,900 over the next 4 years" So PTSB...

Thanks Paul. I'm confused. On the other thread, you said "You cannot make accurate estimates of the savings by looking at the monthly repayments." How did you calculate the savings above?

Thanks Paul Could you please explain the dramatically different APRC rates listed by the lenders? Are APRC rates the most important to pay attention to when Comparing? Also, some bankd mention that APRC rates include setup charges e.g. Valuation fee, - I had thought that I pay the Valuation...

Current lender BOI Outstanding mortgage balance (how much you still owe) 306,347 Approximate current value of your property €530,000 The date you started your fixed-rate mortgage (month and year) October 2020 (following a 3 year BOI fixed term 3%) How many years you fixed for 2 Your current...

Switching from BOI as our fixed term ends in October. Looking to fix for at least 4 years... Current rate: 2.9% Balance: €300k Remaining: 25 years LTV: 59% AVANT 1.95%, 4 years €1,390 per month Total after 4 years (€1,390 x 48) = €60,672 versus PTSB Green 2.35%, 5 years, €1,323 per month 2%...

Using Karl's Mortgage Calculator (you can adjust the frequency in Settings) Mortgage of €365,000 30 years 3% Compound frequency Quarterly: Payment €1,537.38 per month, Total Interest €188,458.54 Compound frequency Monthly: Payment €1,538.85 per month, Total Interest €188,987.70 So yes...

So, the higher the frequency the more capital is paid ? i.e. monthly is better than quarterly ?

BOI appears to be calculating the compound quarterly, I only noticed this when comparing the lender's repayment amounts in the Amortisation Table.

Hi, Do all Irish banks/lenders use the same compound frequency? e.g. annually, quarterly, monthly.

Curious, How did/does PTSB treat you badly? I have a current account with PTSB for years and have never had any issues..