peterwilson Registered User
#1

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

johnnyrotten Registered User
#2

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

galwaydude Registered User
#3

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

peterwilson Registered User
#4

Thanks guys!
Whats the bank of scotland deal?
pw

peterwilson Registered User
#6

Thats great. Thanks
pw

daveg Registered User
#7

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.

stp Guest
#8

peterwilson
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.

thegills Registered User
#9

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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