I fixed at 2.5% with UB for 5.5 years. At the end of the 5.5 years, I can move to whatever rates are on offer from UB. Or I could move. And I can repay up to 10% of the value of the outstanding mortgage each year (chance would be a fine thing).
Is that the high value rate?I fixed at 2.5% with UB for 5.5 years. At the end of the 5.5 years, I can move to whatever rates are on offer from UB. Or I could move. And I can repay up to 10% of the value of the outstanding mortgage each year (chance would be a fine thing).
Is that the high value rate?
I'm just over a year into a 4 year fixed @2.6% (~36 months left) and plan to try roll into/break and fix again the 4 year 2.6% again if extended in June, giving me a total just over 5 years . at 2.6%
So my plan might not workThat was my cunning plan too. I'm on the 2.6% rate at the end of 2017.
After 6 months as they extended the date for new customers so I rang them got the break fee (€0) and the form to choose the rate for another 4 years All grand.
As the date has moved on again I rang them a month ago for the break fee. This time its a couple of grand. So I'll just wait for the current time frame to run out and I'll reevaluate then.
That was my cunning plan too. I'm on the 2.6% rate at the end of 2017.
After 6 months as they extended the date for new customers so I rang them got the break fee (€0) and the form to choose the rate for another 4 years All grand.
As the date has moved on again I rang them a month ago for the break fee. This time its a couple of grand. So I'll just wait for the current time frame to run out and I'll reevaluate then.
How many times have you managed that so far?Just noticed Ulster extended their fixed rate term to end of September, must give them a ring for the break fee.
How many times have you managed that so far?
Exactly.Just to check with you on this:
I'm on a fixed product due to end September 2022, if I ring them and break fee is zero, it may be possible to stay fixed until September 2023?
I must ring to request and see what break fee they send out by post - I'll update once I get a chance to do soJust noticed Ulster extended their fixed rate term to end of September, must give them a ring for the break fee.
I fixed at 2.5% with UB for 5.5 years. At the end of the 5.5 years, I can move to whatever rates are on offer from UB. Or I could move. And I can repay up to 10% of the value of the outstanding mortgage each year (chance would be a fine thing).
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