P paperclip Registered User Messages 336 24 Jul 2009 #1 there used to be a sticky.... anyway... i'll be comming out of a boi fixed mortgage in a couple of months, 3.95. so, i've missed out on the low rates at the mo. after ptsb have raised there rates, it's seems that the rest will follow suit.... is there any way to fix, while you're coming to the end of a fixed mortgage? i mean... is there any room for negotiation? last time i rang i was told there would be a 8k fine for breaking out of the mortgatge......
there used to be a sticky.... anyway... i'll be comming out of a boi fixed mortgage in a couple of months, 3.95. so, i've missed out on the low rates at the mo. after ptsb have raised there rates, it's seems that the rest will follow suit.... is there any way to fix, while you're coming to the end of a fixed mortgage? i mean... is there any room for negotiation? last time i rang i was told there would be a 8k fine for breaking out of the mortgatge......
N NorfBank Registered User Messages 2,097 24 Jul 2009 #2 paperclip said: i mean... is there any room for negotiation? last time i rang i was told there would be a 8k fine for breaking out of the mortgatge...... Click to expand... Only your bank can answer this, we can just speculate. Have a look at your loan offer, depending on when you took out the mortgage, you may be lucky and have the option to revert to a tracker at the end of the fixed term. www.moneybackmortgages.ie
paperclip said: i mean... is there any room for negotiation? last time i rang i was told there would be a 8k fine for breaking out of the mortgatge...... Click to expand... Only your bank can answer this, we can just speculate. Have a look at your loan offer, depending on when you took out the mortgage, you may be lucky and have the option to revert to a tracker at the end of the fixed term. www.moneybackmortgages.ie
P paperclip Registered User Messages 336 24 Jul 2009 #3 it was a tracker before i fixed, 3 years ago. from what i remember, trackers are in and around +1 of the ecb rate... can the banks raise this rate, like they seem to be doing with varibale rates? are banks less likely to offer trackers these days? cheers
it was a tracker before i fixed, 3 years ago. from what i remember, trackers are in and around +1 of the ecb rate... can the banks raise this rate, like they seem to be doing with varibale rates? are banks less likely to offer trackers these days? cheers
N NorfBank Registered User Messages 2,097 24 Jul 2009 #4 Banks cannot raise tracker rates unless the ECB raises rates, therein lies their beauty. Trackers have been discontinued, if you can get one, take it.
Banks cannot raise tracker rates unless the ECB raises rates, therein lies their beauty. Trackers have been discontinued, if you can get one, take it.
P paperclip Registered User Messages 336 24 Jul 2009 #5 well, i've been with them 5 years... so i'm sure there'll be room for negotiation...
W Winehouse Registered User Messages 14 25 Jul 2009 #6 Do you know the rates that apply to a rental property on an interest only mortgage.