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  1. M

    Switching to EBS or BOI?

    I'd say base your decision on the best deal for you today - which I assume BOI - though if you follow through on your plan you will only get 2% cashback not the 3% cashback plus EBS (or others) might not be offering the same incentive in 12 months time so be prepared to stay with BOI for...
  2. M

    Complete solutions - house extensions

    Shomera? they do more than just boxes now
  3. M

    Builders Rates in 2017

    I've just finished getting an extension of 44 sq m (plus about 15 sq m of very minor internal reconfiguration), GF only, DLR area. Including professional fees (for drawings, engineer, planning costs, cost management, compliance sign off etc), utility connections, floor finishes, basic shower...
  4. M

    SEI Grant Query

    thanks - i rang them and they said i couldn't claim for new heating controls as original grant already covered this. nevermind!
  5. M

    SEI Grant Query

    Hi all in 2010 i had an old oil boiler replaced with gas and new heating controls (single heating zone and hot water) and received a grant for this. We are currently extending home which includes a substantial reconfiguration of heating system. Plumbing contractor has suggested upgrading to 3...
  6. M

    Should quotation for beam be itemised?

    just for some other benchmarks, as part of a full extension our steel is costing (supplied with pads/bolt details etc and installed) €2,530 for a total of 10.5m in several separate areas (slightly differing sizes of beam) - so €240ish per linear metre. Steel only worked out at €1,600 (€152 per...
  7. M

    Mortgage Interest Tax Relief

    congratulate them for buying at close to trough! sorry, i'm being facetious!
  8. M

    Mortgage Interest Tax Relief

    i'm one of those 2008 buyers on a (now) SVR (was fixed at start) so i'm happy about this as it saves me €150pm, but, tbh, still think it would've been better spent elsewhere. also, it will be a year before we get any clarity on it, i would suspect that after 2017 the ceilings will reduce again
  9. M

    Weighing up a switch

    thanks for the feedback Dave, makes sense (but i am being tempted by the cashback and (possible overconfidence) of situation not deteriorating!) i must work out how much SVR change i'd need to miss out on to make the initial €10k cashback a loss-leader!!
  10. M

    Weighing up a switch

    After a few years of struggling with the worries of negative equity I'm shortly to be in the fortunate position of being able to switch. My current O/S balance with Haven is c.€500k with monthly repayments of about €2,730, MIL nets this to €2,580 until end 2017. SVR 3.4%. Thanks to family...
  11. M

    Haven cut rates but no mention of EBS

    http://www.independent.ie/business/personal-finance/haven-to-cut-variable-rates-and-pay-2k-to-new-borrowers-34842134.html SV Rate to be cut to 3.4% - same as AIB - from 1 Aug No mention of EBS though
  12. M

    EBS customers - you are not getting the 0.25% rate cut announced by AIB today

    Haven to cut rates to 3.4% (same as AIB) from 1 Aug - still no mention of EBS though... http://www.independent.ie/business/personal-finance/haven-to-cut-variable-rates-and-pay-2k-to-new-borrowers-34842134.html
  13. M

    First Time Buyer - Fixed or Variable?

    perhaps 'trap' is a strong word but what i believe Brendan is trying to say is that the 2% saving as upfront cashback could pale into insignificance against the money you could save over time with a lower rate but a lot of people go for the instant money 'trap'
  14. M

    Tender Prices

    Hi All, We have just gone out to tender on a relatively straight forward single storey flat roof extension of about 45 sq m in DLR area of Dublin. Comprising small shower room/WC, utility and kitchen/dining area. In addition there is a small amount of internal works to existing (but mainly...
  15. M

    Switch Bank while on a fixed rate

    in a nutshell, yes, and with 10 months left to run, it'll probably be quite a bit - it would fall under No 1 as when you switch you will effectively be making full repayment of the loan back to EBS
  16. M

    EBS customers - you are not getting the 0.25% rate cut announced by AIB today

    here's a question - as a haven customer, can i switch to AIB (assuming i meet the criteria etc) - seems illogical that i'd be able to, but also seems illogical not to cut rates across the group!
  17. M

    EBS customers - you are not getting the 0.25% rate cut announced by AIB today

    Indo: "However, the group said the new lower variable rates only apply to AIB customers, and there has been no reduction announced for EBS and Haven mortgage holders."
  18. M

    Do UK banks lend to Irish expats to buy homes in Ireland?

    a UK bank would not fund a(potential) Irish house purchase in 2006/7 for me (UK resident moving here with Irish wife) so i doubt they would do it now
  19. M

    Mortgage paid off, sick of long commute to Dublin, should I rent or buy in Dublin

    hi you can usually only borrow up to retirement age, which based on your post may suggest around a 10 year term this is a good article to read... http://www.irishtimes.com/business/personal-finance/are-you-too-old-for-a-mortgage-or-will-you-just-have-to-pay-up-faster-1.2182533
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