Anybody beating the advertised mortgage rates

P

panindub

Registered User
Messages
68
Hi all,

I'm just embarking on the mortgage process, looking for the best tracker out there.
Does anybody know how much the bank will flex with the advertised rates, and if so by how much are people getting?? anywhere like 0.1% or 0.2% !!

Thanks
Paul
 
If you're looking to borrow €1m + at 75% loan to value and it's within 4 times your income lenders may negotiate on rates. Otherwise what you see is what you get.

Sarah

www.rea.ie
 
Some banks will negotiate and some banks won't -
the lower the risk to the bank, the better your chances of being able to get a slightly better rate - although i doubt you'll be offered anything as a first time buyer unless your a professional (doctor, accountant, etc)
 
If in doubt ask/haggle. The worst that can happen is that the lender will not budge on the standard rate or waive any ancillary charges.
 
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