Worth checking with an Avant broker but from other threads on AAM, I understand that Avant would not consider this as it requires an LTI exemption (~3.93)1) Fix for a longer period with Avant.
We were considering a 3 year fixed at 2.55% with aib so that if we needed to break early and fix for longer we would have less of a breakage fee than a longer term fixed but we would still have the ability to overpay after 3 years if interest rates remain the same?
Thanks so much we aren't eligible for high value or green with AIB unfortunately but we were hoping to get the house up to the green rate. Will do more research. Appreciate the detailed response. Thank youWorth checking with an Avant broker but from other threads on AAM, I understand that Avant would not consider this as it requires an LTI exemption (~3.93)
If that is the case, your options are a bit more limited but I presume you already have AIP with AIB as you've mentioned them. Are you eligible for either of their 4 year high value (2.3%) or 5 year green (2.25%)?
If you are, it would be a mistake to go with the 3 year fixed at 2.55%. The extra 0.25-0.3% will be costing you €1.1-1.3k extra per year
You don't have far to go to reach 80% LTV so both those rates drop 0.1% at <80% LTV
There is also Haven at 2.15% for 4 year green but check what else is available to you on CCPC
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