I have summarised the existing rates for all active lenders on the attached.
It is complicated. Let me know if you spot any errors.
Key points
Ulster Bank, AIB and ptsb no longer discriminate between new and existing customers - more or less.
KBC and Bank of Ireland still treat existing customers a lot less favourably than new customers. If you are thinking of taking out a mortgage with KBC or BoI, don't forget that you will soon be an existing customer and can expect to be fleeced to fund their lower rates for new business.
Variable rates paid by existing customers with an LTV over 80%
View attachment 660
I have summarised the existing rates for all active lenders on the attached.
It is complicated. Let me know if you spot any errors.
Key points
Ulster Bank, AIB and ptsb no longer discriminate between new and existing customers - more or less.
KBC and Bank of Ireland still treat existing customers a lot less favourably than new customers. If you are thinking of taking out a mortgage with KBC or BoI, don't forget that you will soon be an existing customer and can expect to be fleeced to fund their lower rates for new business.
Variable rates paid by existing customers with an LTV over 80%
View attachment 660
The customers of AIB, BoI and KBC can reduce this rate by fixing.
View attachment 661
The lowest rate on the market is 3.3% - available to Ulster Bank customers with an LTV <60% who fix for three years and new KBC customers of any LTV who fix for one year.
View attachment 663
I have summarised the existing rates for all active lenders on the attached.
It is complicated. Let me know if you spot any errors.
Key points
Ulster Bank, AIB and ptsb no longer discriminate between new and existing customers - more or less.
KBC and Bank of Ireland still treat existing customers a lot less favourably than new customers. If you are thinking of taking out a mortgage with KBC or BoI, don't forget that you will soon be an existing customer and can expect to be fleeced to fund their lower rates for new business.
Variable rates paid by existing customers with an LTV over 80%
View attachment 660
The customers of AIB, BoI and KBC can reduce this rate by fixing.
View attachment 661
The lowest rate on the market is 3.3% - available to Ulster Bank customers with an LTV <60% who fix for three years and new KBC customers of any LTV who fix for one year.
View attachment 663
The PTSB
I have summarised the existing rates for all active lenders on the attached.
It is complicated. Let me know if you spot any errors.
Key points
Ulster Bank, AIB and ptsb no longer discriminate between new and existing customers - more or less.
KBC and Bank of Ireland still treat existing customers a lot less favourably than new customers. If you are thinking of taking out a mortgage with KBC or BoI, don't forget that you will soon be an existing customer and can expect to be fleeced to fund their lower rates for new business.
Variable rates paid by existing customers with an LTV over 80%
View attachment 660
The customers of AIB, BoI and KBC can reduce this rate by fixing.
View attachment 661
The lowest rate on the market is 3.3% - available to Ulster Bank customers with an LTV <60% who fix for three years and new KBC customers of any LTV who fix for one year.
View attachment 663
PTSB give lower rates for lower loan to value loans. For example its 4.2% for between 80%-90%. Am I wrong?
