Mortgage with NIB

Hi there.

Hoping some of you can help me.
Myself and my girlfriend have mortgage offer from NIB on the table.
It's a 3 year fixed rate of 3.5% along with 1000 Euro in cash.

It's the best 3 year fixed rate we can find by nearly 1/2 percent so we're quiet eager to take it. We've got offers from FA, TSB & ICS but they're all 3.99%.

I just wanted to hear from people who have a mortgage with NIB to see how they treat their customers. Has anyone had any major issues with them etc etc?

Thanks alot!
Dunner

NIB is owned by Danske Bank. They recently announced that they wish to increase their presence in other european countries through acquisition. Expect them to make inroads in to the Irish market. I have held a smallish account in the old NIB. I never found them an exciting bank to do business with, more a cross between a building society/credit union and a bank. Having said that if their mortgage rate is .5% cheaper than anyone else and their APR measures up then I would go for it. After your 3 year fixed term is up you are free to renegotiate or go elsewhere.

I moved a few years ago from BoS to the NIB tracker (ECB + 0.79%), but have just recently switched to their three-year fixed. I haven't had any problems with them as a lender, and I'm happy with their 'freebank' c/a and online banking too.

moved mortgage and current account over about 2 mths ago, very happy so far, also got the +.79% tracker. Rebranding is due over Easter so may be more changes etc then

Thanks for the feedback folks.

I had a meeting with FA yesterday & they were bad-mouthing NIB saying that they're in bad shape and will cause us no end of problems if we go with them.
Obviously he was trying to push FA over them... I just wanted to make sure though that he was talking crap.

Looks like we'll be going with NIB then!

Cheers
Dunner

We have a mortgage with NIB and we are more than happy with them in terms of service and the way they deal with us as people rather than just a number.