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Gah! I was hoping there would be one, so much handier, I see they also mention a fee for overpaying on a fixed too: https://www.icsmortgages.ie/existing-customers/owner-occupier-existing-customers/flexible-options

Great, thanks Brendan. Simple. :) Edit: I wouldn't be liable for any break fees would I?

Another question. Any idea how long it might take to switch? I assume I should be applying asap, I'd imagine most lenders are busier now then ever with UB and KBC leaving. What happens if I'm delayed and it runs into next year?

Great, thanks for that. I didn't spot ICS allow 20% per year. I would be in a position to over pay, so that would sway it that way for me. Plus ICS have online account access (according to bonkers.ie) so that's useful.

Hi all, Fixed rate 5yr mortgage ends with UlsterBank at the end of the year. Current UB mortgage: 26 yrs & 2 mths Date you fixed: Dec 2016 - Start of mortgage Period for which you fixed: 5 years Fixed rate: 3.75% Fixed until Dec 2021 Mortgage remaining: €138,523k Current LTV: 58% Mortgage...

Lender: Ulster Bank Rough value of property: €170k Total amount borrowed: €153k (Loan to Value 90%) Amount of mortgage balance outstanding: €147,545 (as of April 2018) Date you fixed: Jan 2016 Period for which you fixed: 5yr, Jan 2022 Fixed rate: 3.75% Term left: 44 Months at 3.75% Just posting...

Thanks Paddy. I hope it doesn't take too long to sort, was really hoping to be in this side of Christmas. First time buyer here, so stressful!

Thanks Paddy, What took 6months? What was the delay in that process do you know/remember? (If I know, I can see about speeding that up!) Yeap my solicitor is very thorough, so following his advise to the letter.

Hi, We are sale agreed on a rural property. Very close to closing I feel. My solicitior has advised five rights of ways need to be registered before he's happy for me to proceed. He's relayed this back to the vendor's solicitior. Does anyone know how long I could expect to wait for this to be...