I'm fixed until October and it tells me that the breakage fee is €0.
Their broker offering is via Haven which AIB operate as a separate brand. No announcement of rate cuts there yet, but they generally follow.Are EBS rates available through mortgage brokers?
Is it a good idea to fix for 5 years given that the breakage fee is €0?Great news. I am currently fixed at 3.15% until the end of the year. I must enquire about breakage fees and have a think about how long it would sense to fix for.
Is it a good idea to fix for 5 years given that the breakage fee is €0?
I'm sure that the breakage fee can change (see here).My understanding from the email I got is that the zero breakage fee only applies for 5 days. Maybe I am wrong.
No. PTSB will insist that you have been with previous lender for a certain time before they will take you on.If you take out a mortgage with PTSB must you stay with them for 2 years before switching to another lender? As per what "Fire Away" said above in post number 9?
No. PTSB will insist that you have been with previous lender for a certain time before they will take you on.
Some posters have been told by PTSB that is 2 years.
Their published criteria is 12 months, or 24 if you are seeking an equity release at the same time.
Don't know if you can switch but Ulster are doing 4-5 year fixed for 2.6% and if you are with BOI and challenge them they usually give reduction on their quoted fixed rates (i got 2.8% for 5 years)
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