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Switching Mortgage?

  • 01-03-2006 10:35am
    #1
    peterwilson
    Closed Accounts Posts: 90 ✭✭


    Anyone any idea on the current best mortgage rate?
    Just been told by First Active mine is changing to 3.81%.
    Been with them for 4 years now.
    Thanks
    pw


Comments

  • #2
    johnnyrotten
    Registered Users, Registered Users 2 Posts: 3,594 ✭✭✭johnnyrotten


    I swithced to the Ulster Bank Tracker which is 3.20% guarenteed never to be 0.9% above ECB. Also it cost nothing to switch, they paid all fees including Legal fees. Pretty painless process really


  • #3
    galwaydude
    Registered Users, Registered Users 2 Posts: 1,390 ✭✭✭galwaydude


    whats the best company at the moment if you are interesting in switching. Is the bank of scotland offer any good.


  • #4
    peterwilson
    Closed Accounts Posts: 90 ✭✭peterwilson


    Thanks guys!
    Whats the bank of scotland deal?
    pw


  • #5
    galwaydude
    Registered Users, Registered Users 2 Posts: 1,390 ✭✭✭galwaydude


    http://www.bankofscotland.ie/index.jsp?1nID=93&2nID=94&3nID=104&pID=104&nID=109


  • #6
    peterwilson
    Closed Accounts Posts: 90 ✭✭peterwilson


    Thats great. Thanks
    pw


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  • #7
    daveg
    Registered Users, Registered Users 2 Posts: 4,683 ✭✭✭daveg


    We checked about 2 weeks ago. Ulster bank tracker was the cheapest if the amount borrowed was less than 60% of the value of the house. Also, as someone else posted, Ulster bank do not charge/or have a set charge for changing mortgage. Otherwise solicitor fees will set you back about a grand. Prima Finance also have a "remortgage" fixed rate fee for refinancing which is very good.


  • #8
    LegacyUser
    Registered Users, Registered Users 2 Posts: 166,026 ✭✭✭✭LegacyUser


    peterwilson wrote:
    Anyone any idea on the current best mortgage rate?
    Just been told by First Active mine is changing to 3.81%.
    Been with them for 4 years now.
    Thanks
    pw

    let your bank know there's a better deal elsewhere and you're thinking of swithching.

    they may match this to keep your business.


  • #9
    thegills
    Registered Users, Registered Users 2 Posts: 1,802 ✭✭✭thegills


    Bank of Scotland have a good deal on their tracker rate. Never more that 1% above the ECB with a 0.55% discount for 2 years. This equates to 2.7% for the next 2 years. They pay about €1k for legal fees as long as you don't move mortgages for 5 years.
    You can also revert to an interest only for a period of time if you need cash for something else.
    thegills


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