moved from this thread where PTSB has announces that it is reducing the SVR for new customers only to 3.7%
My wife and I borrowed €20k from family and paid it off our PTSB mortgage last year to bring us just under 80% LTV. We applied to KBC for a switch but they knocked us back due to taking a 3 month repayment holiday in 2009 whilst I was in between jobs. This is despite us making a €6k lump sum repayment when I found work a month after the repayment holiday. This illustrates how fussy institutions are (no big surprise there).
Almost a year on, I reckon we're still just under 80% LTV and that the repayment holiday will have dropped off of our credit status (I believe financial institutions hold 24 months of repayment history, sort of X's and O's.) We'd now have a clean slate.
Any advice on who could get us away from PTSB now ? I am considering moving all accounts (except mortgage of course) to BOI and at some point in the future applying for a switch with them.
My wife and I borrowed €20k from family and paid it off our PTSB mortgage last year to bring us just under 80% LTV. We applied to KBC for a switch but they knocked us back due to taking a 3 month repayment holiday in 2009 whilst I was in between jobs. This is despite us making a €6k lump sum repayment when I found work a month after the repayment holiday. This illustrates how fussy institutions are (no big surprise there).
Almost a year on, I reckon we're still just under 80% LTV and that the repayment holiday will have dropped off of our credit status (I believe financial institutions hold 24 months of repayment history, sort of X's and O's.) We'd now have a clean slate.
Any advice on who could get us away from PTSB now ? I am considering moving all accounts (except mortgage of course) to BOI and at some point in the future applying for a switch with them.