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Should I move mortgage providers from Dilosk?

  • 05-09-2014 7:30am
    #1
    iainBB
    Registered Users, Registered Users 2 Posts: 460 ✭✭


    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:


Comments

  • #2
    homer911
    Registered Users, Registered Users 2 Posts: 5,150 ✭✭✭homer911


    Well thats an LTV of 74%

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


  • #3
    iainBB
    Registered Users, Registered Users 2 Posts: 460 ✭✭iainBB


    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


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