Switching mortgage for cashback deals in 2024

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syndrome777

Registered User
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Has anyone done it in 2024, switched 3 or 4 lenders?
Have lenders put any claw backs to if you switch to early you need to return cashback...?

Does anyone know can you get the cashback again on the same mortgage/property from same lenders you were with 2years back?

We've done it 2y ago, AIB to PTSB to EBS, we are now with EBS coming off 2year fixed.

Thinking of going to Haven, BOI, AIB (perhaps to PTSB if I knew we would qualify for cashback again), using same solicitor.

thanks
 
Any use?

Key Post - How to get cash back 4 times in 6 months

The following lenders give cash back on new mortgages Bank of Ireland 2% EBS 2% ptsb 2% KBC €3,000 AIB €2,000 Ulster Bank €1,500 When you are applying for a new mortgage or when you are applying to switch, I recommend that you get approval from three or four lenders at the same time. These...
www.askaboutmoney.com
 
I am a first-time buyer and my plan is the following:

BOI: 1 year fixed - 2% Cashback Plus (~€8000) + €2000 MortgageSaver Bonus (€1340 after DIRT)

Haven: 1 year fixed - €5000 cashback for new customers

(assuming ECB stops cutting rates)
AIB/EBS: 4 years Green Fixed Rate - €3000 cashback for switchers
Alternatively, will stay with Haven if their Green Rate rate is better like it is now
 
coolwap said:
I am a first-time buyer and my plan is the following:

BOI: 1 year fixed - 2% Cashback Plus (~€8000) + €2000 MortgageSaver Bonus (€1340 after DIRT)

Haven: 1 year fixed - €5000 cashback for new customers

(assuming ECB stops cutting rates)
AIB/EBS: 4 years Green Fixed Rate - €3000 cashback for switchers
Alternatively, will stay with Haven if their Green Rate rate is better like it is now
Click to expand...
Apparently Haven are extremely slow. As it can take 6m for the switch.
Just bear that in mind. And perhaps switch to fhem if the rate is good a year after all others.
 
syndrome777 said:
Apparently Haven are extremely slow. As it can take 6m for the switch.
Click to expand...
@coolwap seems to also be having problems with BOI rightt now:

BOI Letter of Offer timeline

I might be losing the house because of incompetent BOI customer service. I have applied for a mortgage in a branch with underwriting completed early in September. All this time I was mentioning that I will use FHS. Sep 5th - Property Address and desired rate/term provided via email Sep 18th -...
www.askaboutmoney.com
 
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