I think the salient phrase there is āuncompetitive ratesā. Iād imagine this loophole has been well backfilled now.
Iād do a ten year fix if it were me.
KBC have a 5 year fixed at 2.65%
Theyāre also a collective group of simpletons
5 Likes
Think UB are letting people on fixed pay back portion of outstanding balance. Maybe up to 10%?
You can pay off up to 10% at any time with KBC too. @cluaindiuic we went with them for our mortgage, fixed into that 5 year since October. What trouble have you had with them? Our solicitor told us that she found them very pernickety during the process of buying the property
Nah Iām only two years into a three year fixed. So rates only slightly better. Still though every little helps and only 33 more years to go 
Thats a great deal if there is no chance you will want to move house or anything in the meantime
I donāt know how ye do it, in fairness
6 Likes
Masters of finance.
This is the story unless you have a bit of cash. Building your own instead of being a dope like myself and buy buy buy. Iām sickened
Price of buying plot & Building aināt much cheaper, pal.
Maybe man. Timing of when you bought has a big baring though
Its not cheaper at all
I had money in the account ( good Deposit ) to buy when prices were low but the stress test fucked me.
I hear you man. We put 40k up and are stuck in a rut.
Iām happy with my gaff tbh, itās the debt that hurts.
Fair play man. Iām not and inability to move irks me sometimes. I should start dealing drugs
It all resolves itself around the time you you qualify for the OAP.
You gotta hang in there until then unless Apple hits a gold streak.
2 Likes