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mortgage rates

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  • 28-07-2010 7:48pm
    #1
    fitzy79
    Closed Accounts Posts: 4 ✭


    thinking of switching mortgages provider and fixing my rate which bank has the best fixed rate and how much would it cost to switch mortgage etc . legal fees


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    #2
    itsyourmoney.ie: Aine
    Closed Accounts Posts: 10 ✭itsyourmoney.ie: Aine


    fitzy79 wrote: »
    thinking of switching mortgages provider and fixing my rate which bank has the best fixed rate and how much would it cost to switch mortgage etc . legal fees

    The 3 things you need to consider are:1. Legal fees - assume about €2k. 2. Valuation fee - about €150. 3. The rate you'll be switching to. In days gone by(!) some lenders paid some/all of legal fees/valuation in order to encourage switching but this doesn't seem to be the case anymore. You can get up-to-date mortgage rates here: http://www.mortgages.ie/index.cfm/spKey/home.mortgage_rates.html


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    #3
    Ogham
    Registered Users Posts: 1,844 ✭✭✭Ogham


    The fixed rates shown on that site mentioned above are showing APR's - which are fairly meaningless for fixed rates.(Because APR takes into account the "expected" variable rate after the fixed rate expires)
    Also - they don't seem to show all the lenders .

    See this page for the lowest fixed rates


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