Hi folks,
First time poster. I read through the guidelines and understand this to be a valid query. Apologies if not.
I signed up for a mortgage with KBC less than a year before they left the Irish market. At the time I was a current account holder so qualified for the 2.3% interest rate (down from 2.5%). For a variety of reasons (new home, young kids etc.) once the mortgage was over the line I didn't pay a huge amount of attention to my first mortgage certificate of interest breaking down my repayments.
As my mortgage moves towards the end of my fixed rate, I started to take a closer look. I used Karl's Mortgage Calculator and it appears that I have been charged at the higher 2.5% interest rate. I plan to contact BoI tomorrow to clarify same, but wondering if anyone else has had a similar experience, particularly with the KBC 2.3% offer?
Thanks in advance.
First time poster. I read through the guidelines and understand this to be a valid query. Apologies if not.
I signed up for a mortgage with KBC less than a year before they left the Irish market. At the time I was a current account holder so qualified for the 2.3% interest rate (down from 2.5%). For a variety of reasons (new home, young kids etc.) once the mortgage was over the line I didn't pay a huge amount of attention to my first mortgage certificate of interest breaking down my repayments.
As my mortgage moves towards the end of my fixed rate, I started to take a closer look. I used Karl's Mortgage Calculator and it appears that I have been charged at the higher 2.5% interest rate. I plan to contact BoI tomorrow to clarify same, but wondering if anyone else has had a similar experience, particularly with the KBC 2.3% offer?
Thanks in advance.