I have a Split Mortgage would I get another Mortgage

Discussion in 'Mortgage arrears & negative equity case studies' started by Lasvegas, 19 Nov 2018.

  1. Lasvegas

    Lasvegas New Member

    Posts:
    1
    Hi all, if anyone has any experience of below

    We are currently on a split mortgage with ptsb. Total mortgage 308k.
    Main mortgage 148k 4.6%
    Warehoused 160k 0%
    House valued 290k/300k
    We have never been in arrears and always engaged with the bank.
    My question is would ptsb do a deal if we had a lump sum to pay off our mortgage? Ie. We pay a lump sum and they write some off and give us a better rate?
    If so would we be better off going through a PIA?
    If anyone could recommend one in Dublin/ North Kildare area.
    Or
    Would another bank look at giving us another mortgage with a significant deposit?
    Any advice greatly appappreciated
    L
     
  2. Brendan Burgess

    Brendan Burgess Founder

    Posts:
    36,349