AGE : 42
Spouse Partners Age:43
Annual Gross income of employment: 20,000
Annual Gross Income Spouse: 35,000
Expenditure Pattern: Both generally savers
Rough Estimate of Value of home: 300,000
Mortgage Provider: KBC Bank
Mortgage balance : €82,000
Type of Mortgage: Fixed
Interest Rate:0%
Other Borrowings:Car Loan €270 per month
Savings and investments:20,000 savings
Do you have a pension scheme: Yes
6% weekly and 6% employer
Spouse 20% employer 6%
Age of Children:11 yrs old
Life Insurance:Yes
What specific question do you want:
We had a split mortgage with KBC and have recently cleared the preforming part of it,we are now paying the warehouse part which is at 0% which doesn't seem right but I have received a letter and have spoken to numerous of people over the phone and all have explained to me saying yes your mortgage is at 0%,so basicly now our mortgage is €250 over 27 years but we are overpaying each month,do we continue to do this or would we be better putting our finances to something else like pension.
Spouse Partners Age:43
Annual Gross income of employment: 20,000
Annual Gross Income Spouse: 35,000
Expenditure Pattern: Both generally savers
Rough Estimate of Value of home: 300,000
Mortgage Provider: KBC Bank
Mortgage balance : €82,000
Type of Mortgage: Fixed
Interest Rate:0%
Other Borrowings:Car Loan €270 per month
Savings and investments:20,000 savings
Do you have a pension scheme: Yes
6% weekly and 6% employer
Spouse 20% employer 6%
Age of Children:11 yrs old
Life Insurance:Yes
What specific question do you want:
We had a split mortgage with KBC and have recently cleared the preforming part of it,we are now paying the warehouse part which is at 0% which doesn't seem right but I have received a letter and have spoken to numerous of people over the phone and all have explained to me saying yes your mortgage is at 0%,so basicly now our mortgage is €250 over 27 years but we are overpaying each month,do we continue to do this or would we be better putting our finances to something else like pension.
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