BoI gave me on 0.1pp discount on all quoted fixed rates six weeks ago. Just call them and ask. If you do nothing else you'll save a tenner or so a month.he last renewal came in the post and just said they are offering 5 years at 3% at the same amount as before
BoI claim they only allow 10% overpayment without penalty but I've read of examples like yours where they allow a lot more. I overpay about 14% with BoI.My base payment is actually €784 so we are already nearly doubling that which is surprising.
Banks have a formula to calculate the early repayment penalty. (It depends on the market rates today compared with when you fixed)BoI claim they only allow 10% overpayment without penalty
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