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Exactly.. Also remember that a lot of noise was made during the Variable rate campaign and the government got involved. In the end we saw (in PTSB's case) a reduction of .2% if you were in NE. We went from 4.5% to 4.3% after that huge effort. Imagine this time next year we could be at...

I'm flying via JFK to Mexico this coming Monday. The layover in JFK is 10 hours and I was thinking about going into New York to kill some time. I arrive at 2.30PM local time and depart again at 12:45 AM I am looking for some advice as to whether or not this is a good idea given the time needed...

Thanks...Price is 30k more than other 2 (one of which sold so just 1 left) We heard through a friend who works in a different EA (I did not know they worked in a local EA when we first started this) that they have a client who also viewed our house. The person was interested in a different...

So just a quick update and a request for information. We approached an EA last month who agreed to advertise our house and handle the viewings and so on. We have since had 3 viewings but no offer. I am little disappointed with the process because we have had no feedback from the EA following...

I would be pretty annoyed if I thought they were offering to those who are not in NE and can switch. How could we find out.

We're in the process of trying to trade up. PTSB approved NE trade up mortgage but we do not qualify for 2% cash back. Also can not switch because of NE. Also affected by the PTSB tracker issue. In 2009 we declined the offer of ECB + 3.25% as the SVC was lower at the time. So new rate with NE...

Hi Notabene..are you saying that you did not get your tracker back but you did receive some compensation. Did you go to mediaiton with the bank following a recommendation from FSOB perhaps?

The only time our banks will change their interest rates in line with ECB changes is when the ECB start to increase them. They are not interested when the ECB is reducing the rates. I can only see a minimum difference between tracker and variable rates of 4% with the likelihood of the difference...

Interesting. Would still place an ad in Daft. Costs 300 I think for a standard ad.

Lol fair points I suppose. I work out of home so that helps I guess. Will need to work on the smell though. But seriously yes I can see the benefits and will probably just opt for an EA. I have made some calls and it appears they all charge different commission rates. Have being quoted 1.3 up...

Conversion is currently classed as storage. Would need to put in larger velux windows to classify as living space which I am not willing to do.

Thanks Mackemdub. My worry is the EA will advertise the house at a value lower than we believe based on 2 other similar properties that are currently for sale in the area. We are looking to sell our property for 50K more than the other 2 properties. Our house has an attic conversion, is located...

Hi All We are about to put our house up for sale. It is currently in Negative Equity. I am trying to understand if it would be better to sell it privately so as to avoid the costs (1.75% + VAT) + Social Advertising Costs (approx.500 euros) It's 300 euros to advertise privately on Daft. I...

We approached the bank who have given us a mortgage approval in principal for 250k on a rate of 4.3%. Although we are happy to wait until a property for 220k comes on the market. I have also thought about the option of keeping the existing home as a second home and applying for a new mortgage...

Thanks for input Brendan. I'm leaning towards building a bigger deposit which will reduce the loan required. All the same I think it would be worth while speaking with someone in the bank to discuss options.

But is the maximum additional mortgage not 100k when you include NE portion of 80K. I think the new rate for a NE mortgage goes up by 1% so new mortgage would be on 5.3% Lets say we see a house for 200k The CB rules mean we can trade up with a 10% mortgage AFAIK I have 80K NE today meaning new...

I am looking for some advice on what options I might have for trading up family home. Current situation: Existing mortgage on variable rate of 4.3% with PTSB (there new MVR product) 3 bed semi 25 years remaining Amount outstanding: 260000 House Value: 180000 NE: 80000 Savings: 30000 Joint...