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  1. J

    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    Hi Paul, Here’s my details. Thanks in advance. I am thinking just to refix with KBC for 3 years at the same rate as below. Basically I don’t have the energy to switch to a new mortgage provider (and given the details below you wouldn’t blame me) but would be happy to hear any recommendations...
  2. J

    KBC cash back more than once

    Yes on the same property.
  3. J

    KBC cash back more than once

    Just to confirm that I received my 3k from KBC this week. So my second time getting the cash back offer from KBC.
  4. J

    KBC cash back more than once

    Called KBC and yes you can get the switching cash back offer again, regardless if you had previously gotten it before. So good news there. They confirmed that it ends on 31/12/2020 but I’ve seen this being extended many times before and would expect it to be again.
  5. J

    KBC cash back more than once

    I previously availed of the 3k cash back from KBC when I switched my mortgage to them. I subsequently moved away from them to UB for a fix term. This term is coming to its end. Does anyone know if you can get the cash back deal more than once with KBC? I know other providers prevent this - I...
  6. J

    Ulster Bank loyalty fixed rate question

    I gave UB mortgages a ring today and they will send out the rate sheet. Will get it in the next 5 days. I was told that once my salary is mandated to a UB CA then I am eligible for the loyalty rate which is 3.2% in my case. No need to pay the mortgage from my UB CA although it might suit me to...
  7. J

    Ulster Bank loyalty fixed rate question

    My LTV is <60% and my mortgage is below 200k. I had a Ulster Bank CA but I closed it around a year ago. In order to avail of the rate drop (3.5% -> 3.2%) would it be as simple to open a UB CA and have my salary mandated to this account? I want to keep my existing KBC CA as my primary account...
  8. J

    Just finished Switching from KBC to Ulster Bank

    From looking at my own setup (mortgage with Ulster & current account with KBC) the IBAN I transfer to, in my standing order is not the same as my ulster mortgage IBAN Instead (recalling from memory) it is a general mortgage account IBAN for Ulster mortgage customers. What you need to do add your...
  9. J

    Ulster Bank reduces variable rates

    @money boxed in Yes Generic Name is correct. Since I posted that above - I followed up with Ulster Bank and spoke to another much better informed agent who confirmed that it's the SVR (4.3%) - 0.8% = 3.5% The first person I spoke to in Ulster Bank was clueless and gave me incorrect information...
  10. J

    Ulster Bank reduces variable rates

    Just off the phone speaking to Ulster Bank about this. My LTV is less than 60%, so I am lucky that I can avail of this new rate. Currently I am on the SVR (4.3%) minus 0.5% discounted rate which is 3.8% From speaking to the agent, I've been informed that if I elect for the 60% LTV rate of 3.5%...
  11. J

    UB - new fixed rates as low as 3.3%

    Thanks for the reply. I called Ulster Bank and they said my rate is a discounted rate - so it's the standard variable rate minus 0.5% (4.3 -0.5% = 3.8%) - due to my LTV of 60% However I will loose my discounted rate if I go fixed and after 3 years and will roll on to whatever the SVR of the...
  12. J

    UB - new fixed rates as low as 3.3%

    I am thinking about fixing for 3 years. I have a LTV of < 60% so I could avail of the 3.3% fixed rate for 3 years. I am currently getting 3.8% on my variable rate. One question in relation to Ulster Bank when you complete your fix term and roll on to the SVR available at the time. Are you stuck...
  13. J

    Ulsterbank Yourpoints is ending

    There's nothing to suggest that Tesco will leave the credit card market in Ireland and no reports that I am aware of as such. I guess I always like to be prepared hence holding on to my other credit card. I've done the same in the past with my current accounts - in that while NIB were in the...
  14. J

    Ulsterbank Yourpoints is ending

    No Tesco doesn't have an online facility to view your balance - annoying yes but you can "kinda" get a round that by using your clubcard login website - https://secure.tesco.ie/register/?from=https://secure.tesco.ie/clubcard/myaccount/home.aspx At the very least you can view your purchases...
  15. J

    Life Help in deciding what life cover products to choose

    Thanks for the replies folks. Some good information there to think about. Yes I agree with the income protection and it is something that I would want in place, due to me being the sole earner in the family. I was dismissing serious illness due to it being expensive however your recommendation...
  16. J

    Life Help in deciding what life cover products to choose

    My background - married with infant son. Early 30's. I am the sole earner. I earn a good salary. Home owner. We are all in good health. My wife has no plans to enter the workforce anytime soon and we may plan to increase our family in the next few years. My current level of protection is: 1)...
  17. J

    Ulster Bank cuts rates for new and existing customers

    Hi Folks, Got a letter from Ulster Bank yesterday stating that their standard variable mortgage rate has dropped from 4.5 to 4.3 It then referred to my monthly mortgage payment and that it would drop by around 18 euro per month. My interest rate is 4% and from a quick calculation I am now on...
  18. J

    Tesco credit card processed direct debit on 24th Dec for a 29th Dec payment due date

    Apologies I got my days wrong. Monday is the 20th. I have to say I am surprised that Ulster Bank couldn't wait till Monday 20th - the day of the S/O - to take the money from my account. They took it on Friday 17th but on my statement online its dated as Jan 20th. I might give them a call and...
  19. J

    Tesco credit card processed direct debit on 24th Dec for a 29th Dec payment due date

    I have a Tesco credit card and the same happened to me. My bank is with Ulster. Normally I clear my balance using mybills.ie but I let the direct debit go through in December. I observed Tesco taking the money from my account on Dec 24th which I thought was a bit cheeky as I knew the payment...
  20. J

    NIB now charges 5 Eur/quarter on my C/A (!)

    I switched from NIB to Ulster Bank. You can do on-line transfers abroad. Bank changes will come in here too at some stage - so no avoiding this. Their internet banking isn't as good as NIBs. Their app for android / apple is good and works well. No option to generate PDF versions of your...
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