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thanks for your help :)

one more question sorry! So in 10 years, (if we do decide to come off the tracker and go on this fixed rate), will we be in a better place as our principal amount will have come down so much that the remaining 8 years won't be as bad even if the rate then is higher?

what if we went with the 10 year fixed rate? Would that be an option - as above it is 3.3% but, at the moment anyway, we can afford the repayments

Hey, we were leaning towards a fix for 10 years as we are absolutely out of our debt when it comes to economics and figuring out what is best but thought we may be better off with the known, i.e. that our payments will be just under €1,500 per month, we cannot afford to go any higher than that...

Hey hoping you can assist please with the below: 1) Existing tracker margin. (This is set in your mortgage contract.) ECB + 1.1% (Current rate = 3.1%) If your tracker margin is 1%, please state it in the following format to avoid confusion: ECB + 1% 2) If you have an additional mortgage on...

We got a letter this morning stating ".... we foresee that your remediation will be delayed further to June 2021 due in part to the extended impact of COVID-19 on our operations." Unbelievable.

We also received our letter but it states in ours "We currently expect to be able to write to you and issue any redress and compensation due by March 2021."... A long wait from their original letter in June. Also I note they have changed the contact details and it isn't Pepper now but Lloyds.

Same, I have called Pepper today, they cannot find me on their system although the BOS letter advises contacting them with any queries. Frustrating.

You may be contractually entitled to a tracker at the end of your fixed rate period Check your mortgage agreement or the agreement when you changed to a fixed. You may be entitled to a tracker. Bank of Scotland contracts had a price promise, that the rate would not be in excess of 1.5% over the...

I got a copy of my loan offer but it doesnt mention it. Is it in the T&C's?

Thanks for the response. I haven't been able to get hold of my original letter of offer so not sure what the rate is. If they have bought our mortgage which is on a variable rate then can they apply their own variable rate, as it is now a different entity owning the mortgage? We are in...

Hi Just wondering what the situation is though with their rates. I think Start Mortgages are known to have extremely high mortgage interest rates. Do they have freedom to apply any rate they like? Thanks Sarah

Hi Brendan I am a BOSI customer and have a main mortgage and a smaller top up. My top up is on a tracker rate. The main mortgage which is the more worryingly large one is on a variable rate but the rate is very low, almost as low as the tracker. I have been trying without success to get my...

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