T
Toodles_27
Guest
Hi All,
Firtsly, forgive me, but I am not very informed when it comes to mortgages, interest etc so if my questions appear silly, I apologise in advance.
Our 5 year fixed mortgage is due to end in March. It has been fixed at a rate of 5.15%. We are trying to prepare ourselves and upon seeing things like this forum, we are more than a little anxious and apprehensive.
What level of interest are PTSB currently offering for fixed rates?
I have to dig out our contract, but is it possible we could go on a tracker even if it's not offered? From what I gather they are not advertising the fact that you will revert to tracker if written into your contact. What clause should I be looking out for int he contract?
We are one of the lucky few in that we did not get hit so severly with the neg equity. We have €130,000 left on our mortgage and houses are selling in our estate for €160 - €175. Is the option of switching our mortgage a possiblity?
And lastly, we hope to build on this year, just a small extension and may need help to do this ie, re-mortgage. Is that a negotiating tool?
Thanks in advance
Firtsly, forgive me, but I am not very informed when it comes to mortgages, interest etc so if my questions appear silly, I apologise in advance.
Our 5 year fixed mortgage is due to end in March. It has been fixed at a rate of 5.15%. We are trying to prepare ourselves and upon seeing things like this forum, we are more than a little anxious and apprehensive.
What level of interest are PTSB currently offering for fixed rates?
I have to dig out our contract, but is it possible we could go on a tracker even if it's not offered? From what I gather they are not advertising the fact that you will revert to tracker if written into your contact. What clause should I be looking out for int he contract?
We are one of the lucky few in that we did not get hit so severly with the neg equity. We have €130,000 left on our mortgage and houses are selling in our estate for €160 - €175. Is the option of switching our mortgage a possiblity?
And lastly, we hope to build on this year, just a small extension and may need help to do this ie, re-mortgage. Is that a negotiating tool?
Thanks in advance