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EBS for a mortgage

  • 19-05-2016 9:15pm
    #1
    A_Sober_Paddy
    Closed Accounts Posts: 4,221 ✭✭✭


    as the tittle suggests, myself and the OH are applying for a mortgage in principal with EBS, there rate is 3.7% which seems to be one of the best on the market?

    I know a competitive rate is important, but dealing and working with the bank is very important too, any feedback, advive or help greatly appreicated


Comments

  • #2
    ted1
    Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    A_Sober_Paddy wrote: »
    as the tittle suggests, myself and the OH are applying for a mortgage in principal with EBS, there rate is 3.7% which seems to be one of the best on the market?

    I know a competitive rate is important, but dealing and working with the bank is very important too, any feedback, advive or help greatly appreicated
    AIB are looking to be the lowest in the market. They have 3.4% starting in July and expect to go 3% soon after. There LTV rate is 3.1


  • #3
    A_Sober_Paddy
    Closed Accounts Posts: 4,221 ✭✭✭A_Sober_Paddy


    ted1 wrote: »
    AIB are looking to be the lowest in the market. They have 3.4% starting in July and expect to go 3% soon after. There LTV rate is 3.1

    What are aib to deal with?


  • #4
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    Take a look at the new entrant also. Frank Money. Sould have regulatory approval soon. Website is up already.


  • #5
    ted1
    Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    A_Sober_Paddy wrote: »
    What are aib to deal with?

    No different than others


  • #6
    The Diddakoi
    Registered Users, Registered Users 2 Posts: 488 ✭✭The Diddakoi


    A_Sober_Paddy wrote: »
    as the tittle suggests, myself and the OH are applying for a mortgage in principal with EBS, there rate is 3.7% which seems to be one of the best on the market?

    I know a competitive rate is important, but dealing and working with the bank is very important too, any feedback, advive or help greatly appreicated

    We have had a mortgage with ebs for 5 years. They were the only company who would offer us a mortgage.
    Found them excellent to deal with. They try twice for the mortgage, so if it's due on the 5th of the month and your wages don't go in until the 6th, they will try again on the 12th. No charges or penalties.
    Haven't had any issues at all.


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  • #7
    Evil-p
    Registered Users, Registered Users 2 Posts: 130 ✭✭Evil-p


    ted1 wrote: »
    No different than others

    I would not agree with this. I found them very difficult to deal with. If going with aib i would avoid emortgages and deal with a branch directly


  • #8
    sozbox
    Registered Users, Registered Users 2 Posts: 1,399 ✭✭✭sozbox


    EBS are grand, I'm due to draw down soon so hopefully AIB will pass on the rate cut the EBS or offer a cash back deal or something.

    EBS open through lunch and offer meeting outside 9-5 which I found helpful


  • #9
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    In my experience, EBS are never in any rush to help you. But AIB and BOI were the same.


  • #10
    Letree
    Registered Users, Registered Users 2 Posts: 1,005 ✭✭✭Letree


    I'm with EBS and found them alright to deal with. But i am disappointed they didn't pass on the same rate cut as their Parent company AIB as they normally do. I don't think its a good sign by them. If i was going again i'd avoid them.


  • #11
    ted1
    Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    Evil-p wrote: »
    I would not agree with this. I found them very difficult to deal with. If going with aib i would avoid emortgages and deal with a branch directly

    Really that's not my experience, I rang them up and said I want a mortgage and it was all done over the phone only dropped into a branch once to sign a form


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  • #12
    sozbox
    Registered Users, Registered Users 2 Posts: 1,399 ✭✭✭sozbox


    Letree wrote: »
    I'm with EBS and found them alright to deal with. But i am disappointed they didn't pass on the same rate cut as their Parent company AIB as they normally do. I don't think its a good sign by them. If i was going again i'd avoid them.

    They will shortly I'm told, either that or a cash back offer. Once AIB have lapped up all the positive publicity it'll happen I'm sure.


  • #13
    Ian_80
    Registered Users, Registered Users 2 Posts: 29 ✭Ian_80


    Letree wrote: »
    I'm with EBS and found them alright to deal with. But i am disappointed they didn't pass on the same rate cut as their Parent company AIB as they normally do. I don't think its a good sign by them. If i was going again i'd avoid them.

    Agree with you there.......they're never eager to pass anything on


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