Switching mortgage?

M

mihaela

Registered User
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57
Hi everybody!

I am just out of a fixed term with Ptsb. My rate went from 3.4% to 3.7%.
The value of the house is 355k ( possibly 365k) and the outstanding loan is €211,500. Is there any better deals to be had out there? There's also been a lot of talking about rates going up. Should i go for a longer fixed term mortage?

Tia!
 
Last edited:
Lots of better options. You're just under 60% LTV

If you want variable, AIB is best option at 2.95%.

Fixed, BoI at 3%, with cash back is still looking like best option over 5 years.

Ulster bank 4 year fixed at 2.6%, with 1500 cash back for legal fees is another option for you.

Take a look at the best buys in this forum - the <50% one covers most of the fixed rates, and you meet criteria for most.

Don't overlook the 10 year fixed rates from KBC which personally I think are better value than the shorter term rates.
 
Hi, Bank of Ireland 3% 5 year fixed with 2% cashback upfront and another 1% in five years is a good deal I think. Also Ulster Bank 4-year fixed at 2.6% with €1,500 towards legal fees is a good option. If you want longer term then KBC have good rates for 10 year fixed (if you have a current account with them) + €3,000 cashback.
 
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