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I’ve a manhole that conveys the sewer for my neighbours in my back garden and I’ve freehold. No wayleaves - the pipe is collectively mine and my neighbours issue as far as I know.

When I had a Zurich PRSA I always wondered why the range was so limited, thanks for clarifying

I would doubt it but no harm trying

I’m going to refix with PTSB - am I correct that I could use the overpayment to build up these credits (say to take a payment holiday in a year or two) and while these credits are around, PTSB will only charge interest on the net balance? So my monthly payments will have an increased capital...

What is the regular saver going up to, I can’t see it on their site?

I called PTSB - the press release Brendan has is the correct one. I am able (as existing customer) to avail of the lower HVM rates - which is brilliant. Despite PTSB raising rates, they have actually lowered them for customers like me!

While I’m not a tax accountant, would it not be akin to an ISA for an adult? The fact that it’s tax favoured in the UK matters not for an Irish resident, excepting all potential domicile etc stuff that may or may not apply.

@Paul F - Got the letter today to chew on, valid for 30 days it seems which is excellent. I can see how things develop while I make my mind up. Given the 2% back in monthly payments, the fact I can avoid the solicitor and valuer fees, and the fact that I would like to trade up (how long that...

I have paused the application due to the rate rise, so I won't be proceeding to offer at the moment.

Thanks very much @Paul F - believe it or not I never even considered sticking with PTSB but the gap isn’t as bad at the moment and I’d avoid solicitor fees etc. One to think over.

@Paul F taking you up on your offer. To be honest think I'm going to leave it for another 6+ months as I've over a year to run on the fixed rate which is now better than anything I could get (no way BOI will still offer that low rate by the time underwriting is done). Current lender – PTSB...

I’m assuming that approval in principal doesn’t count as an offer for the purposes of the old rate? Was in the process of switching but seem to have run out of time!

Unless I've completely misunderstood my scheme!

No, it doesn't work the way you think it does. For each year of earnings, you gain entitlement to a bit of a lump sum and a bit of an annuity on retirement. The fact that you worked a part time little bit earlier cannot make you worse off than had you not work that earlier period. The average...

Yes - me! My employer doesn't have to know anything about the AVCs, I deal with revenue to get my credits/tax bands adjusted. My employer's avc is very poor value so I'm a member of the Single Scheme and I have arranged my own AVC PRSA with Zurich (via a broker). My AVCs come out via a direct...

I do this, not difficult

Herring gulls most often in Dublin in fact!

https://news.sky.com/story/starling-pulls-irish-bank-application-as-international-focus-shifts-12654418 There goes some potential competition!

Got mine Friday looks like, one month into being a new VHI member! Very glad I switched from Laya now

Just sent me another debit card so I assume service as normal