Final switch

Sybil35

Registered User
Messages
8
Hi I've kept an eye on all the posts but would like to get your opinion. I've been with AIB, switched to BOI then EBS for the cash backs (fixed 1 yr on both) and now think ulster is the next right move. We want to do a big renovation to our house this time next year so thinking Ulster for the low rate and a bit of longer term stability if we go with the 4 yr fixed. Renovation will require a top up but all within CBI limits. Having switched so much the past few years I'm a little nervous to lock in for 4 yrs. Any advice or any thing I should also think of? Thanks!
 

Dauhee

Frequent Poster
Messages
115
could go down a little, could go up a little. hard to know. Current break fees virtually zero anyhow. Can;t go too far wrong with UB anyhow in my opinion
 

Shanek

New Member
Messages
1
Hi I've kept an eye on all the posts but would like to get your opinion. I've been with AIB, switched to BOI then EBS for the cash backs (fixed 1 yr on both) and now think ulster is the next right move. We want to do a big renovation to our house this time next year so thinking Ulster for the low rate and a bit of longer term stability if we go with the 4 yr fixed. Renovation will require a top up but all within CBI limits. Having switched so much the past few years I'm a little nervous to lock in for 4 yrs. Any advice or any thing I should also think of? Thanks!
Hi sybil35 just wondering did u go with ulster bank. I see they the cheapest fixing but are they not 4.3% variable at end of the fixed rate which I think is very expensive
 

Monfreid

Registered User
Messages
18
Current break fees virtually zero
I'd say it's only if you're on a 1 or 2 years fixed rate because I was told that he would cost me 1600 eur to break my 5 years fixed rate (with only 22 months remaining on the 5 years term)
 

HollowKnight

Frequent Poster
Messages
165
Hi sybil35 just wondering did u go with ulster bank. I see they the cheapest fixing but are they not 4.3% variable at end of the fixed rate which I think is very expensive
At the end of your fixed rate, you can choose to go on to whatever product they are offering at the time. (eg. Another fixed for 4 years)
 
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