scott lahive
Registered User
- Messages
- 7
Hi scott lahive, im.on the same 3.15% rate and am.looking to move to either KBC or Ulster banks 4 year fixed rate of 2.6% but does anyone know if you also have to move youre bank account as well to qualify as i do get free banking with AIB and that would have to be factored in to any move. Ulsters 2 yr 2.3% is obviously attractive but for me that term is too short and youd end up rolling on to an expensive SVR. Another factor for me would have to be the covering of legal costs and any cash back deals for moving. Personally AIB have the lowest variable rates but because of impending ECB rate increases this is no longer attractive and it appears that AIB wont be moving their fixed rates as they only seem to be competing on the variable rates and fixing is the way to go in the next few months. I was offered the 2.95% by AIB as my LTV is between 60 and 80% but we can do better than that. My approx figures are i owe 175k from sept, 14 yrs left from last july and repayments of €1305-€25 MIR.Any suggestions are more than welcome but that 5 yr 2.6% with cashback looks good.
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