Hi everyone, apologies if this has been asked before but I cannot find the specific answer to this. At the moment I have a joint mortgage with my husband since 2004 with KBC Bank. We are paying 4.5% and there seems much better deals out there.
My query is, I have since been made unemployed (a year ago) since we took out the original mortgage, if we switch does this affect us in any way? ie do the bank taking on the mortgage look at the salaries etc.? We owe €177K on our mortgage and our LTV is about 35-40%.
Also what are the costs involved..solicitors fees etc?
We've tried negotiating with KBC but they are reluctant to do anything for us unless we open a current account with them which we dont want to do as we have free fees with our current bank.
Thanks for any advice!
My query is, I have since been made unemployed (a year ago) since we took out the original mortgage, if we switch does this affect us in any way? ie do the bank taking on the mortgage look at the salaries etc.? We owe €177K on our mortgage and our LTV is about 35-40%.
Also what are the costs involved..solicitors fees etc?
We've tried negotiating with KBC but they are reluctant to do anything for us unless we open a current account with them which we dont want to do as we have free fees with our current bank.
Thanks for any advice!