Mortgage and house insurance advice

Hi all, I'm a FTB and was wondering if anyone has any thoughts on how long to fix for if taking out a mortgage right now (3 yrs?) and also if anyone has any good advice on house insurance? Should I just go with the one the bank recommends? Many thanks.

BarryJ said:

if anyone has any good advice on house insurance? Should I just go with the one the bank recommends? Many thanks.

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No, no, no, no, no! Shop around!

+ 1, always shop around for your insurances, life and buildings.

There are many threads of fixing, try a search.

My advice - look at a split rate mortgage with a portion of it on a variable rate and the rest on a long term fixed rate so you get the best of both worlds i.e flexibility to repay and the certainty of the fixed rate.

Thanks guys

Thanks a million guys, splitting it sounds like the way to go, fixing a portion for as long as possible. From the threads on this site it seems Getcover.ie is one of the best for house insurance. Does anyone have any experience of BOI mortgages? they seem to be ok to deal with so far....

BarryJ said:

Thanks a million guys, splitting it sounds like the way to go, fixing a portion for as long as possible. From the threads on this site it seems Getcover.ie is one of the best for house insurance. Does anyone have any experience of BOI mortgages? they seem to be ok to deal with so far....

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Why not go through a broker. I have just used [broken link removed] and found them to be excellent.