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Customer interface is clunky and very little info for these funds within the IL portal..always been difficult to get info on funds they now track etc...agree with earlier comments, seems to be the staff aren't familiar with the older QL funds and how they operate.

See pdf attached in Post#16. Says the 10% overpayment facility is still available. Looks like good news on that front

ECB increase kicks in Sept 14th so give it a week or two to see any shifting from lenders on fixed or SVR

Once youve requested the break fee from them, give it a few days and ring them. The break fee amount will be on the system and they can tell you it over the phone . My letter was a week or more arriving..one time it never arrived..

Seems now with Avant pushing their rates up as per Brendan's thread that their borrowing costs have gone up, with their 10 year jumping 1% which is a significant hike..assume impact of ECB 0.5% hike and others to follow? How much more to follow? As BOI stated that the July ECB increase wouldn't...

@Paul F....Record speed from UB on letter generation and delivery. Break fee calculated as €150.50. Decision maybe based on what happens with ECB over the next week. Switching to an UB rate would be pretty instant compared to waiting for Avant full switch should rates jump significantly over the...

So million dollar question is what is the magic term people will be fixing for now? 5, 7, 10, 20 years.... what's being priced in or not.....crystal ball time for many..will a 3 year fixed cover increase rates and they drop again after, will someone need to go out to 10 years to bypass the rate...

tbh, not sure, didn't need a new BER after renovation as didn't use SEAI grant system.

Current lender: Ulster Bank Outstanding mortgage balance: €346,000 Approximate value of your property: €660,000k The date you started your fixed-rate mortgage: Sept 18 How many years you fixed for: 4 years, fixed until 30/09/22 Your current mortgage interest rate: 2.6% Your current monthly...

Took the additional 16 weeks unpaid maternity leave after the 26 weeks paid leave (plus then annual leave etc.. makes it longer than 16 weeks in reality)

Any idea how Avant/Brokers deal with partner being on maternity leave from civil service job? i.e. no income/pay slips for past 6 months but it's a civil service job, so clear pay scale and secure position and when back next month back to standard salary.

Looks like end 2022 date planned for KBC->BOI from their committee comments. UB won't be any time soon I'd guess if no progress so far on their purchaser/transfer so far. https://www.independent.ie/business/personal-finance/banking/kbc-accounts-to-move-to-bank-of-ireland-by-end-2022-41108694.html

Thanks, new break fee quote is being requested this week. Got our mortgage before the bank wholesale rates dropped significantly so not expecting a big drop..could be 6 months interest...good to know on the timings..Thanks

Currently have a 4 year 2.6% UB fixed rate which will expire in Sept 2022. Break fee when last quoted was 2.5k last year. Planning a fair bit ahead here…Looking at where UB might end up and the current rates available from Avant, they would be a preferable switch. Question is more of timing and...

The format of front loading with all TDs questions just doesn’t work, so many questions go unanswered. Also as usual, TD questions are wrapped up in a statement, taking up valuable time. Didn’t learn much from the appearance I felt...?

Just wondered if they disclosed the wholesale rate for ones mortgage. Guess it’s a case of working out myself to see the rate and then figure when would be a good time to break if ever. I’ll request my numbers to see.

Thanks RedOnion, big eye opener in your link-shows the CU advertising worked on me! ...like many things in Irish finance, scratch the surface into T&C/regs and many truths revealed!!

Yeap, but not all are penalty free for doing so I thought? Aren’t CUs penalty free? Still not a game changer for the extra costs.

A few people with CU loans I know, like the ability to pay back the loan early and extras life death benefits/insurance...is it worth the extra few % on the loan, probably not to most people but some like the sound of the extras..Also I think many still trade on the community aspect and word of...

Out of interest, does the letter just show a break fee figure or does it show the calculation?