....but its so frustrating that they won't allow you to move bands with the LTV rates.
We came off a 1-year fixed rate recently. AIB wrote to us in advance asking us to select a new rate. I got a valuation done and requested LTV >50 <80. Sent it all in in writing. That was 3 weeks ago and I'm still waiting for a response.
Have since been put on the "default rollover" SVR of 4.15%. Sent an email last week to home mortgages with a scanned copy of my original written correspondence and asking for an update. Still no reply or update.
Outstanding customer service.
Ten seconds on MyHome would establish that our house is worth multiples of what we owe them.
The first person I spoke to yesterday said that, having been on an LTV rate a few years back, we couldn't be on one again,
.
I'm not surprised. Every day they drag their feet, it's costing you money, because the changeover to the lower LTV rate (if and when it happens) won't be backdated to the date of the valuation, AFAIK.
D.
That's fair enough but a valuation can be arranged in a week.
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