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Two quick questions from an existing mortgage customer

  • 07-01-2019 3:54pm
    #1
    mrmanire
    Registered Users, Registered Users 2 Posts: 155 ✭✭


    Hi,
     I have two questions on my mortgage account. I have an existing BOI mortgage and currently have a three year fixed rate. The rate is up this year. 
    1. I have noticed that there is a change my interest rate request form online on the BOI site. Does this apply to me as my rate is fixed? Could I be given a new lower rate for the remainder of the fixed term. 
    2. I received 2% cash back when I initially drew down this mortgage. Would I be entitled to a similar offer if they are still being offered to switchers and new customers later in the year or is there a cool down. I will be working out the best value combining interest paid due to rate received rate over the fixed period and also any cash back received so I would be leaving BOI and switching if I'm disadvantaged. Thanks very much.


Comments

  • #2
    Bank of Ireland: John
    Closed Accounts Posts: 204 ✭✭Bank of Ireland: John


    mrmanire wrote: »
    Hi,
     I have two questions on my mortgage account. I have an existing BOI mortgage and currently have a three year fixed rate. The rate is up this year. 
    1. I have noticed that there is a change my interest rate request form online on the BOI site. Does this apply to me as my rate is fixed? Could I be given a new lower rate for the remainder of the fixed term. 
    2. I received 2% cash back when I initially drew down this mortgage. Would I be entitled to a similar offer if they are still being offered to switchers and new customers later in the year or is there a cool down. I will be working out the best value combining interest paid due to rate received rate over the fixed period and also any cash back received so I would be leaving BOI and switching if I'm disadvantaged. Thanks very much.


    Hi mrmanire,

    Thank you for getting in touch.

    Can I ask you to please call our Mortgage Specialist Team on 01 611 3333 and an advisor will be able to answer these questions for you.

    Many Thanks.

    John


  • #3
    mrmanire
    Registered Users, Registered Users 2 Posts: 155 ✭✭mrmanire


    Bank of Ireland: John wrote: »
    mrmanire wrote: »
    Hi,
     I have two questions on my mortgage account. I have an existing BOI mortgage and currently have a three year fixed rate. The rate is up this year. 
    1. I have noticed that there is a change my interest rate request form online on the BOI site. Does this apply to me as my rate is fixed? Could I be given a new lower rate for the remainder of the fixed term. 
    2. I received 2% cash back when I initially drew down this mortgage. Would I be entitled to a similar offer if they are still being offered to switchers and new customers later in the year or is there a cool down. I will be working out the best value combining interest paid due to rate received rate over the fixed period and also any cash back received so I would be leaving BOI and switching if I'm disadvantaged. Thanks very much.


    Hi mrmanire,

    Thank you for getting in touch.

    Can I ask you to please call our Mortgage Specialist Team on 01 611 3333 and an advisor will be able to answer these questions for you.

    Many Thanks.

    John
    Rang them there and were very helpful. Thanks. 


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