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5 years @2.65% or 10 @3.05?

  • 22-03-2019 10:48am
    #1
    stimpson
    Registered Users, Registered Users 2 Posts: 7,828 ✭✭✭


    We've just had approval in principle for remortgaging from KBC and have an option on fixed rates. There is a difference of €75 a month between them, so the 5 year is attractive, but I like the certainty of a long fixed rate.

    I know the consensus has been for a rate rise this year, but it seems that a global slowdown has pushed this back.

    What are peoples thoughts on long term rates? Is the 10 year a good bet?


Comments

  • #2
    Amirani
    Moderators, Society & Culture Moderators Posts: 12,548 Mod ✭✭✭✭Amirani


    That's a good rate for 10 year fixed I think. Are you happy to not be able to make any over-payments for 10 years?


  • #3
    stimpson
    Registered Users, Registered Users 2 Posts: 7,828 ✭✭✭stimpson


    Amirani wrote: »
    That's a good rate for 10 year fixed I think. Are you happy to not be able to make any over-payments for 10 years?

    I can make overpayments of 10% during the fixed period.


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