ebs

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    EBS rate changing to Buy-to-Let

    Looking for advice. Moved for work in 2017, let out my house and I am now renting. Changed my details with EBS and ceased TRS with Revenue. Never missed or late with payments. House is in negative equity. I went to EBS branch near work in Dec 2018 and spoke with mortgage advisor about my...
  2. E

    Buying my first house - extremely disappointed - no keys - cannot be registered on Land Registry - Advice Needed

    Hi all, Three weeks ago, I was told that on the Friday I would be able to collect the keys to my new house, I was so excited and happy, I had a lot of purchases ordered for delivery. On the day I was to receive my keys I got the bad news that the closing searches found that there was an...
  3. B

    EBS Reposession order - next step and professional help please

    I have received a letter from the EBS saying that my application to recapitalize my mortgage and arrears has been turned down and that they want to repossess. I live abroad and couldnt use MABS and used IMHO instead. However now I dont know who can assist? I dont want to agree anything with EBS...
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    Switching my Current account - AIB vs EBS? Appreciate any advice...

    I have decided to switch my current account to another bank. I have either AIB or EBS in mind. I wont be using apple pay, google pay etc. I dont want credit card. I have N26, Revolut, Skrill prepaid cards. This current account would be used to receive my salary, grocery shopping, online...
  5. D

    EBS Mortgage form filed in by EBS

    Hi, Not sure if has any traction. Back in 2006 myself and my fiancee (now wife) applied for a mortgage with EBS. The Manager we where dealing was known to my wife's family due to banking with EBS for many years. Anyway, when we went to the EBS branch and discussed the mortgage, house and...
  6. T

    What is the best alternative to PermanentTSB - EBS?

    I am with PTSB - Current account. As per the letter I got yesterday PTSB would be charging 18 euro quarterly if 2500 euro is not maintained every day. I wont be able to maintain this amount all the time. What is the cheapest alternative - EBS? Any disadvantage in switching to EBS? No bills...
  7. F

    EBS or Ulster Bank for 2 Year Fixed?

    Hello, My wife and I are first time buyers and would like some advice. We are looking for a mortgage of €320, 000 and are trying to decide between EBS (3 %) or Ulster Bank (2.3 %) for a 2 Year Fixed. We have been accepted by EBS and are about to apply to Ulster Bank - we have also put down a...
  8. Y

    EBS Tracker - flummoxed. Advice welcome on where to start

    Hi all I got a call from EBS (a very kindly man) to say my mortgage was an affected tracker, the incorrect rates were applied and that I should consider redress and compensation. The process has been explained to me and that it will take until the end of 2018 to fully resolve. I have as yet...
  9. B

    Insolvency in Ireland after moving to the UK?

    My husband and I moved to Manchester in 2015 and slowly finding our feet again after a few difficult years financially speaking. We have been in dispute with the EBS and are asking for contributions which far exceed what we can feasibly pay. We can not reach an agreement and have been back and...
  10. C

    Loan Amount Refused - Broker Next?

    Hello. I recently applied direct to EBS for a mortgage. I was refused the full amount although it is very unclear why I was refused. I chose EBS based on rate, cashback and the fact that we are existing customers. I think I need to speak to a broker. Is it possible to receive a recommendation...
  11. M

    Letter from solicitor for immediate repayment, or property returned?

    Hi all. I have lived in London since 2012. For a few years now I have had long periods of unemployment, poor health etc have meant that for some time I couldn't pay the full mortgage to the EBS, and then when I left I got a tenant and send all the rental to the bank, which has been less than the...
  12. A

    Aib or EBS cash back which is better

    we are applying for a mortgage. We currently have in the region of 200,000 in savings and are looking at houses up to 450,000. Ideally we are hoping to have a Ltv less than 50% by getting a house for the region of 400,000 but we could fall short of that If we have to go to as high as 450,000...
  13. K

    Whether to go with EBS or Ulster bank for a variable rate mortgage

    Hi Hoping someone can give some advice. My wife and I have obtained mortgage approval with both EBS and Ulster Bank for a self build. We've been offered a variable rate of 3.30% with EBS versus a rate of 3.35% with Ulster Bank. Advantage of Ulster bank is: 1. €1500 towards legal fees 2...
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