Niall-1980
Registered User
- Messages
- 40
Hi All. I am currently with PTSB on a variable mortgage at 3.7% and 17 years left, monthly payments are roughly 638 I think. I am looking at switching now. I could do with a bit of a steer. Im thinking of switching 2 or 3 times to avail of the Cash back and finish on a lower rate.
I have spoken to my solicitor and he is cool with whatever I decide and will charge 1,100 a switch.
The order I was thinking of switching In was as follows.
KBC variable 3.0% and 3,000 cash back
AIB variable 2.75% and 2,000 cash back
Ulster Fixed 2.3% for 2 years and 1,500 cash back.
Those this look like the right order.
I have 2 big questions,
1/ Do Ulster require you to be 6 months with your previous provider?.
2/ Am I wrong to be burning my bridges with AIB for the sake of .45%,considering the have a free Current account and generally pass on low variable rates.
Current account savings etc all with PTSB, annoyed now over new current account charges.
All advice greatly appreciated.
what would you do in my position?.
I have spoken to my solicitor and he is cool with whatever I decide and will charge 1,100 a switch.
The order I was thinking of switching In was as follows.
KBC variable 3.0% and 3,000 cash back
AIB variable 2.75% and 2,000 cash back
Ulster Fixed 2.3% for 2 years and 1,500 cash back.
Those this look like the right order.
I have 2 big questions,
1/ Do Ulster require you to be 6 months with your previous provider?.
2/ Am I wrong to be burning my bridges with AIB for the sake of .45%,considering the have a free Current account and generally pass on low variable rates.
Current account savings etc all with PTSB, annoyed now over new current account charges.
All advice greatly appreciated.
what would you do in my position?.