DublinHead54
Registered User
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Hi,
My 1 year fix term with BOI (LTV 90%, 2.9%) rate is coming to an end and I am assessing options. The LTV will remain above 80% and I am looking to fix for a minimum of 2 years. Given that KBC and Ulster Bank are exiting I don't want to go to them due to uncertainty over who buys the book and what would happen at the end of the fixed rate, is this wrong?
The best options I see are AIB at 4yrs @ 2.3% and Avant 3yrs @ 2.35%, both of which would be around a 200 euro a month saving, which is reduced by the switching fee and there is also the hassle of the application process.
I did see a BOI high value mortgage 5 years fixed at 2.5%, does anyone know if existing customers can avail of this? This seems like relatively good value for an existing customer removing the hassle of applying (my spouse is currently on maternity leave).
Input appreciated on options
Edit, I just saw on RTE that BOI are now offereing a 4 year fixed of 2.3% and 7 year of 2.55%. The 2.3% seems attractive.
My 1 year fix term with BOI (LTV 90%, 2.9%) rate is coming to an end and I am assessing options. The LTV will remain above 80% and I am looking to fix for a minimum of 2 years. Given that KBC and Ulster Bank are exiting I don't want to go to them due to uncertainty over who buys the book and what would happen at the end of the fixed rate, is this wrong?
The best options I see are AIB at 4yrs @ 2.3% and Avant 3yrs @ 2.35%, both of which would be around a 200 euro a month saving, which is reduced by the switching fee and there is also the hassle of the application process.
I did see a BOI high value mortgage 5 years fixed at 2.5%, does anyone know if existing customers can avail of this? This seems like relatively good value for an existing customer removing the hassle of applying (my spouse is currently on maternity leave).
Input appreciated on options
Edit, I just saw on RTE that BOI are now offereing a 4 year fixed of 2.3% and 7 year of 2.55%. The 2.3% seems attractive.
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