There's nothing to worry about.Two things came up during that meeting that have me a little uneasy now about it.
It should have been, but was extended until 2020.We originally bought the house in 2004 so I assumed TRS was long over for us.
That (or similar) always been available. PTSB are able to keep SVR high and people don't bother trying to get a better rate.Worth pointing out also that I called PTSB to get the balance on mortgage, asked if they are reducing our rate anytime soon and he offered 3.7% over a 2/3/5 period. Might help someone?
Pretty common, and won't be an issue. The county in Eircode is determined by the post office that your post is routed through.And the county we live in is also different to our eircode address?
It's the name on title deeds that matters.thing is the name on our mortgage account is spelt incorrectly
If it's 15 years since you took out this policy, you should try get some new quotes. Life assurance is one of the few financial products that has got cheaper.if bundled with our life assurance, we should contact the provider to split them out as UB require it to be assigned to them.
I'm not certain on this as I had moved out and stopped it and had to re-apply. But I got the impression from the form that this was the way they did it. Perhaps you can confirm later on down the road.I had no idea that it wouldn't move with the mortgage.
That's my understanding as well. I'm pretty sure you can apply on Revenue website once you have the new account number.Also I think you need to (re)apply for trs once you switch.
This is an essential question for banks to ask, although even a rough estimate is fine at the start. First, the bank needs to establish whether they will lend against the property at all (which they wouldn't do if the current mortgage balance was more than 90% of the market value). Second, the lower the loan to value (LTV), the lower your mortgage rate will be in general (although, unusually, a couple of UB's current fixed rates are the same regardless of LTV). You just need to give your best estimate for now, and the actual value will be confirmed by an independent valuer after your application is approved in principle.One thing I wasn't keen on was the bank rep asked us the value of our house. There are little houses similar to ours in the area so we literally had to assume a figure. Hopefully we are not way off the mark!
It is the mortgage advisor's job to answer all of your questions and to make sure that you are not feeling out of your depth!I feel somewhat out of my depth
We have got a quote from a solicitor for Eur1400 and he will 'throw in' doing a will for us
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