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Should I move mortgage providers from Dilosk?

iainBB · 2014-09-05 07:30:49

Just got a letter in the door yesterday that our mortgage has been moved from ICS to Dilosk group. From what I have been reading the terms will stay the same but i will lose some protections under regulated Irish banking sector regarding Code of Conduct on Mortgage Arrears. My current mortgage rate is 4.8% with an…

05-09-2014 8:30am

#1
iainBB

Registered Users, Registered Users 2 Posts: 460 ✭✭

Join Date: July 2014

Posts: 439
Just got a letter in the door yesterday that our mortgage has been moved from ICS to Dilosk group.

From what I have been reading the terms will stay the same but i will lose some protections under regulated Irish banking sector regarding Code of Conduct on Mortgage Arrears.

My current mortgage rate is 4.8% with an outstanding balance of 230K (27 years left ) I think our house is worth around 310K perhaps more and from the mortgage calculator online I looks like I could better deal anyway.

Approx. from online tool
Current monthly repayments: €1,267.80
New monthly repayments: €1,160.69 with

Any thoughts?

Tagged:

ics

dilosk

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Comments

#2 05-09-2014 11:36am

homer911

Registered Users, Registered Users 2 Posts: 5,141 ✭✭✭

Join Date: September 2007

Posts: 4748

Well thats an LTV of 74%

It looks like KBC are offering rates of 3.86% APR at the moment

0
#3 05-09-2014 11:43am

iainBB

Registered Users, Registered Users 2 Posts: 460 ✭✭

Join Date: July 2014

Posts: 439

Original was LTV of 90%

I think we are looking at now LTV 60% to 80% range.

Probably will have to get it valued again to get more accurate rate

0