Personal details
Age:41
Spouse’s/Partner's age:32
Number and age of children: Three, 18yo, 4yo and 6 months
Income and expenditure
Annual gross income from employment or profession: 120k
Annual gross income of spouse:14k
Monthly take-home pay 5200
Type of employment: Private sector
In general are you:
(a) feels like I am spending more than you earn at times.
Summary of Assets and Liabilities
Family home worth €450k with a €130k mortgage
Cash of €1500
Company shares : €20k
Family home mortgage information
Lender Avant
Interest rate 2.1
Fixed 10 years
Other borrowings – car loans/personal loans etc
24k credit union loan 8.1%
3.5k ptsb loan 13.4%
1k Humm loan for phone
Other savings and investments:
Do you have a pension scheme? Yes
Do you own any investment or other property? No
Other information which might be relevant
Life insurance: yes
What specific question do you have or what issues are of concern to you?
I want to consolidate my loans and want to borrow 8k for a family holiday.
I am looking for best rate/Lender for loan.
Once I have consolidate loan, I want to pay it off quickly.
My company shares will start maturing this time next year.
Any help advice greatly appreciated.
Age:41
Spouse’s/Partner's age:32
Number and age of children: Three, 18yo, 4yo and 6 months
Income and expenditure
Annual gross income from employment or profession: 120k
Annual gross income of spouse:14k
Monthly take-home pay 5200
Type of employment: Private sector
In general are you:
(a) feels like I am spending more than you earn at times.
Summary of Assets and Liabilities
Family home worth €450k with a €130k mortgage
Cash of €1500
Company shares : €20k
Family home mortgage information
Lender Avant
Interest rate 2.1
Fixed 10 years
Other borrowings – car loans/personal loans etc
24k credit union loan 8.1%
3.5k ptsb loan 13.4%
1k Humm loan for phone
Other savings and investments:
Do you have a pension scheme? Yes
Do you own any investment or other property? No
Other information which might be relevant
Life insurance: yes
What specific question do you have or what issues are of concern to you?
I want to consolidate my loans and want to borrow 8k for a family holiday.
I am looking for best rate/Lender for loan.
Once I have consolidate loan, I want to pay it off quickly.
My company shares will start maturing this time next year.
Any help advice greatly appreciated.