Looking at the bonkers, BOI seem to be one of the cheapest at <=60%
1yr 3.4%
2yr 3.25%
3yr 3.1%
4yr 3.3%
The rates you're being offered for <80% seem worse than those on Bonkers
I think if I were you I'd explore the options to switch. I'm on the fence will the rates change much. Everyone seems to be dragging, their heels on it.
We are planning to take the 1 year fixed. Not sure the benefit is to tying yourself to a 3 or 5 year rate? When you are just coming out of the pain of the last time you fixed?
Be very much worth looking at moving mortgage also imo.
...which should fall.
Put another way, fancy a bet?
Why not switch to another lender?
For example Ulster Bank, who as I understand it will give you €1,500 which should cover the associated costs.
You should get a variable rate of 3.1%, which should fall.
What does your proposed BOI fixed rate revert to after 3 years?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?