Remortgage to consolidate debt

[Browneyedgirl4]

I have a variable rate mortgage with AIB but want to consolidate 2 AIB personal loans into the mortgage but I want to stay with AIB and fix to their green rate. Is it possible for me to stay with AIB and either top up the mortgage or remortgage with them ….ot do I have to switch to another bank to do all this ?

 

[ClubMan]

You'll have to ask AIB.

If you are consolidating personal loans onto the mortgage perhaps you should do a Money Makeover post to get feedback on your overall financial situation?

Key Post - Basic information required for the "Money Makeover" forum

It can be difficult, but please try to use a meaningful title in your thread For example "27 year old with mortgage arrears". You will get a much better and much more coherent answer if you give as much information as possible in your first post. For example, if you give your mortgage rate, it...

www.askaboutmoney.com

Especially given that you already remortgaged/topped up last year:

Mortgage interest rate measures

Having a look back at my 2015 AIB variable rate mortgage LTV>80% (which they would not allow me to leave) I was paying 4% interest at the time. I'm not sure what interest relief I was getting, circa €850 PA was the average according to the Below article. AIB variable rates went as high as 4.5%...

www.askaboutmoney.com

Repeated loan consolidations/remortgaging to top up strongly suggests finances that are out of control.