Hi guys,
more info to fuel the "should I fix" debate... PTSB have just increased their 2 year fixed rate to 4.25% (from 3.84), ICS have not yet, but are bound to follow suit very shortly. 3 days ago NIB still offered 3.6% (APR%) but they only do 30 year term, whereas the other two do 35 year terms. I don't know their rate as of today, but it won't be long there either I would guess...
So unless you do have a mortgage already with ICS or NIB or are about to draw down your mortgage fix asap (if that's what you want to do), otherwise for people just arranging a mortgage (like myself) there is little point at this stage to think about it further...
more info to fuel the "should I fix" debate... PTSB have just increased their 2 year fixed rate to 4.25% (from 3.84), ICS have not yet, but are bound to follow suit very shortly. 3 days ago NIB still offered 3.6% (APR%) but they only do 30 year term, whereas the other two do 35 year terms. I don't know their rate as of today, but it won't be long there either I would guess...
So unless you do have a mortgage already with ICS or NIB or are about to draw down your mortgage fix asap (if that's what you want to do), otherwise for people just arranging a mortgage (like myself) there is little point at this stage to think about it further...