I rang AIB this morning to ask about changing my rate from 3.3 to 3.1. I followed the above guidelines but they said that I was locked into original rate
as it was part of the contract. I did abit of reading up and I think if you where coming off a fixed rate you have the option to go for the lower rate.
No when coming off your fixed rate you have the option of reverting to your previous ltv or going on to the svr. Movement between bands is not allowed. The op is an exception rather than the rule. Just to add, aib have not replied to my email, one week later
Who are you contacting? Is it a generic mortgage email, or you relationship manager?The op shouldn't be different and this is why I have emailed them on the matter. I have sent a second email to them querying their lack of reply. I'm choosing email rather than phone as I want their reply in black and white for easy reference. I urge everybody else, who this may effect, to contact aib aswel. Strength in numbers is key
Login to online banking, and see if you've a relationship manager. There'll be a person's picture and phone number on the right hand side of the screen if you do. Call that person directly.I have contacted both homemortgages@aib.ie and fl.home@aib.ie
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