Does it raise the suspicion of the banks when you choose the variable rate over the much cheaper fixed rate that you might be a serial mover? Has anyone faced this issue?
You get full mortgage approval from the 3 lenders which is valid for 6 months, and then draw down each mortgage as you close the previous one. I would advise going for a variable rate although higher it stops the possibility of high breakage fees and delays with breaking from a fixed rate mortgage.
Yes that will probably happen with your solicitor, but keep onto BOI and get your full application into them asap. Have you tried EBS 2% cash back? PTSB 2 % cash back? KBC €3000 cash back? UB only offer €1500 but their rates are the best. Get as many applications into all the banks all at the same time. They will all do a credit check on you and it will show up if BOI or UB did a check on you 2 weeks ago as far as i know. IF say UB asks you about this just say you are shopping around and keeping your options open in case UB were to turn you down for some strange reason. Play dumb.
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