The best rate available for you - based on the information provided(switch & clear a loan) - would be PTSB's 4 yr fixed rate product at 2.05%.
Avant are also offering a 4-year fix at 2.05%, and this PTSB rate requires a BER of B3 or better, whereas Avant's doesn't. Admittedly debt consolidation might be impossible with Avant but who cares given how high PTSB's follow-on rates are.The best rate available for you - based on the information provided(switch & clear a loan) - would be PTSB's 4 yr fixed rate product at 2.05%.
This is not correct – you'll have to pay switching fees whether you go for a green or non-green rate.You'd have to pay for switching fees with PTSB(unless you qualify for a green mortgage - i.e. your property has an A/B BER) but you won't have any issues consolidating CU loan.
Not really – see this thread. But, again, PTSB's follow-on rates are terrible.You'd receive a regular cash back sum of 2% of your monthly repayments - but not a lump sum.
However, I'm almost certain that the overpayment options are very restrictive with this lender.
AIB will cover switching fees – in fact, they'll give you €2,000 to switch.I'm not sure if AIB will cover switching fees but Avant certainly won't - nor will Avant, or Haven for that matter, consolidate debt.
Maybe, maybe not. You can fix for 15 years at 3.05% with Finance Ireland (and that will automatically fall to 2.9% as your balance reduces and you move, probably quite soon, into the <60% LTV bracket). And in the case of Finance Ireland you can "take your mortgage with you" – meaning that you get to keep the same interest rate if you move home in the future (subject to certain conditions).Finance Ireland & ICS allow debt consolidation but they've recently increased rates(both charge >3% now) so that should rule those providers out.
The best rate available for you - based on the information provided(switch & clear a loan) - would be PTSB's 4 yr fixed rate product at 2.05%.
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