@Brendan Burgess PTSB have 0.5% rate reduction for the first year for first time buyers. So rates are equivalent to EBS's.
Yes - that is why I am confused as to why the OP decided to rule out EBS. The interest rates are the same (after the .5% reduction from PTSB), but the OP will be in a much worse position (all other things being equal) if they are unable to switch in a year's time.OK, so they are the same for the first year, but much more expensive after that.
Yes - that is why I am confused as to why the OP decided to rule out EBS.
KBC Permo EBS
Variable 3.05 3.80 3.50
What am I missing in this scenario?
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