Age: 44 Spouse’s/Partner's age: 41 Annual gross income from employment or profession: 95k Annual gross income of spouse: 75k Monthly take-home pay 8k Type of employment: e.g. Civil Servant In general are you: (a) spending more than you earn, or (b) saving? 1k per month Rough estimate of value of home 400k Amount outstanding on your mortgage: 125k, 5 yrs remaining paying 2400e per month (slightly overpaying) What interest rate are you paying? 3.15 with BOI Other borrowings – car loans/personal loans etc 400e per mth on Car PCP Do you pay off your full credit card balance each month? Yes If not, what is the balance on your credit card? 2K Savings and investments. c. 60 k in various equities and savings accounts Do you have a pension scheme? Yes, both public sector Do you own any investment or other property? 2 RIPs Combined Mortgage 652k Combined Value 400k 10 yr I/O expiring next June to move to C&I Tracker 0.9%+ECB Mortgage 480e, Rent 1400 Ages of children: 1, 6, Childcare 1400 per mth Life insurance: Yes My Question I'm due to have an initial meeting with PTSB tomorrow to ask can I extend my I/O for another 5 yrs as I estimate next June the RIP mortgage will go to about 3800e, if they would do this, after my PPR has been cleared I can put my current 2400e with the 1400e from the rent (hopefully any increase in in rents may assist with any ECB increase and I'll be able to absorb the regular rental expenses) What do you think their response will be?