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munsterman25 said:Zardebt,
How do you find the NIB offset mortgage? Its not tied to the ecb rate sur its not like the first active one. Do you find it good. Does the offset thing save you much or is it too early to say
munsterman25 said:They are my two worries, that its not tied to ECB so your at the banks mercy regarding interest rates and its a new product.
I am weighing this option up against a tracker from AIB or PTSB at 3.10 and 3.14% respectively.
fitzer said:I asked NIB about their offset rate and the fact that its not tied into the ECB rate and my worry that they could just be getting your business and could then hike the rate up. The guy did have a point - at the end of the day if they did do that, even though it would be a pain, you could move to another bank who'd pay your legal fees to switch. NIB also have the best tracker rate, if my calculations are right, if you'd 2k in your offset a/c all year, this would make up for the higher rate and anything above the 2k would be a bonus saving. Im gonna go with the offset myself
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