Mortgage intermediaries can contact us in a number of ways. Get cash back for switching your mortgage to the best mortgage rates in Ireland. The country’s largest mortgage provider AIB has said it is cutting its three and five year fixed mortgage rates from 2.85% to 2.55%. 90% remortgages available. is a limited liability company registered in Dublin under No. By switching your mortgage to an alternative lender, you can reduce your monthly payments, by benefitting from a lower interest rate. Example 1 – Cashback Switching to Bank of Ireland at 3% for 3 years fixed with 2% cashback.. Repayments will be €1334 a month. Welcome to the home of AIB on Facebook. 286 talking about this. I was with BOI before switching to AIB. Granted, the process of switching some services is easier than others. It’s a great watch especially for those who want to know more about moving lenders and what you need to do. Its green five-year rate went down by 0.05pc to 2.45pc. Mortgages. Tel: +353 (0)1 6600311; I was informed of better rates and a better savings account rate with KBC, but couldn't find details online. The Details: Borrow up to 90% loan to value for first time buyers and up to 80% for movers or refinance. Note: If you wish to send customer data or documentation by email, please send via encrypted/secure email. The Home Owner's Guide to Switching Your Mortgage . ... AIB Security Centre Always safe and secure. We make switching as simple and straightforward as possible. Thinking of Switching your Mortgage to a better rate? Whatever your needs, we have a range of competitive mortgage rates and a choice of mortgage offers, so you can choose the mortgage that best suits your lifestyle. Mortgage was split in 2016. Maximum mortgage 3.5 times gross income; Typical maximum loan to value 80%; Secure employment; Regular savings and minimum non mortgage debt . Whether you are a first time buyer, a mover, a switcher or an investor I am the best person to contact. **To apply for the optional extra 0.20% discounted rate, please contact KBC. You’ll also need to complete a more thorough application process than switching with the same provider. As your circumstances change, so can your mortgage. Here you’ll find news, updates and more! We can also save you money every month for the rest of your mortgage by switching your mortgage protection to better value cover! THE SWITCHER MORTGAGE PROCESS YOUR MORTGAGE APPOINTMENT: A good place to start is to make an appointment to talk to a Mortgage Coordinator at your local EBS. Last month AIB cut its three-year fixed rate by 0.3pc to 2.55pc and its five-year fixed also by 0.3pc to 2.55pc. Use our Irish mortgage calculator to compare the latest mortgage rates. If you’re switching to KBC and you’d prefer to speak with our mortgage team, you can start your application over the phone by contacting your local hub or by calling 1800 51 52 53.. Another option is to fill in our quick apply form and then one of our team will follow up with you. To help cover your switching costs, AIB will pay you €2,000 within two months of switching. Mortgage interest rates have been steadily falling over the past few years, with keen value now available for those locking into fixed rates. The EBS up to 3% Back in Cash Mortgage Offer. Looking to make savings on your Mortgage? Im thinking of switching mortgage from AIB to KBC. The Mortgage calculator on this webpage is built and operated by IMS Financial. I would like to switch my mortgage to AIB from EBS but would be a non-standard applicant. If you’re still in the process of switching your residential mortgage to Ulster Bank and submitted your application between 27 July 2020 and 21 September 2020, you might still be eligible for the €500 current account offer.Here is some important information: 30 year maximum term for remortgages. AIB said that customers with a 25-year, €270,000 mortgage switching from its variable rate of 3.15% to the 2.45% 'green' mortgage rate would save €96 on AIB has become the latest Irish bank to cut mortgage rates, lowering the rates on its three- and five-year fixed rate mortgages to 2.55%. Craig Service, a mortgage adviser from AIB says: “The normal trigger point for people to think about switching their mortgage is whenever their fixed mortgage deal comes to an end. Switch and get cash back . You can typically expect the mortgage switching process to take around one to two months. Stop overpaying on your mortgage - switch today. Your Mortgage Coordinator will go How long does switching mortgage lenders take? Switch your mortgage with new rates starting at 2.2% fixed for 4 years Lending Criteria. The Progress mortgage is available to customers who have no previous credit issues and are taking out a mortgage on their main home only. I could have waited till April and then moved to another 2/3 years fixed rate at 3.1% but wasn't too keen to fix again as I make lump sum payments towards the capital every x months. Current account switching rates in the Republic of … is regulated by the Central Bank of Ireland. Craig Service, a mortgage adviser from AIB says: “The normal trigger point for people to think about switching their mortgage is whenever their fixed mortgage deal comes to an end. MORTGAGE SWITCHING AIB, RABO, ULSTER BANK, BANK OF IRELAND MIGHT SAVE YOU THOUSANDS OF EUROS If you are one of the hundreds of thousands of Irish people that suffer from the feeling that: "Oh, I couldn't be bothered with all the hassle and paperwork involved in switching my mortgage ", it may well be save you money to keep reading. With over 23 years experience in Ireland’s leading Retail Bank I am an expert in all areas of Mortgage Lending. Switch your mortgage The switching market is finally heating up on the back of rate cuts from AIB and KBC. You can book a mortgage meeting with an EBS Mortgage Coordinator by using the “Book a mortgage meeting” option on www.ebs.ie. ... *Retail Intermediary means the person appointed as a mortgage credit intermediary (within the meaning of the Regulation) and/or a mortgage intermediary (within the meaning of the Act) by the Lender pursuant to the Letter of Appointment. Not all Mortgages are the same. A ‘Switcher’ Mortgage is one where Haven is re-financing or taking over an existing mortgage borrowing from another Lending Institution, allowing you to switch your mortgage without switching home! The market for switching one's mortgage from one lender to another has been almost non-existent since the downturn struck. Switched your mortgage to Ulster Bank and would like an extra €500 if you also switch your current account? Call our dedicated team today on 0818 837 400 who can talk you through the different rate options available to you.. Or Our Mortgage Cashback Offer. Mortgage Protection. Up to 35 year term available, with a minimum term of 5 years. Want to save over €100 a month? Total repayments of €48,024 over 3 years That is a reduction in repayments of €2952 over 3 years. permanent tsb p.l.c. Call our run-by desk on 028 9047 9100, complete a website contact form, email us at broker.mortgages@aib.ie or alternatively contact your Business Development Manager directly.. Self Build Applications . Mortgage Switcher Calculator. 222332. McKees were thrilled to take part in the latest episode helping answer questions about the mortgage switching process. The balance remaining after 3 years will be €212,937 – which is €1330 less than it would be by continuing with the current mortgage Then try our Switcher calculator to see if you could make significant savings. A person switching their mortgage to us can avail of a home loan of up to 90% LTV if no equity release is required; A minimum loan size of €100,000; A maximum loan size of €1.5 million if in an urban area and a Loan to Value of up to 70% Loan to Value; 5 – 35 Year Loan Term; Fixed rates from 2.40% You can also decide to move to a fixed or variable mortgage rate. Amount outstanding around €300k, house value approx €700k now. AIB will also pay the sum into the current account you use, even if it's with another bank. You must also mandate your salary (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment) and pay your KBC Mortgage by direct debit from your KBC Current Account. I operate as a Mobile Mortgage Manager based in Greystones whilst operating throughout counties Wexford, Wicklow and Carlow. AIB announced today that they will be closed to switcher mortgage business effective immediately. EBS has become the latest financial institution to curb over-eager mortgage switchers from availing of multiple cashback offers in the one year, as lenders look to curtail switching activity. AIB was among a number of Irish banks who were being called on to reverse a ‘de-facto ban’ on mortgage approval for customers who are in receipt of the State’s Covid-19 subsidies. Furthermore, customers who pay their AIB mortgage from an AIB current account avoid these fees. Fixed rate 2 years at 3.8% ending this April. This may be longer, depending on any complications surrounding your existing mortgage. Whether you are a first time buyer, looking to switch your mortgage or move home, our mortgage tool will help you to compare your options. Moreover, AIB student accounts, graduate accounts and Basic Bank accounts remain free of charges. I'm on a variable rate of 2.95 with 11 years left on a mortgage worth roughly 190k, with AIB obviously. AIB’s ‘Movies and Mortgage’ web series has tips and expert advice for wherever you are on your home-buying journey. Bank of Ireland – up to 3% cashback If you switch your mortgage to Bank of Ireland you’ll receive an unlimited 2% cashback on the total value of your mortgage. permanent tsb, 56-59 St. Stephen's Green, Dublin 2. permanent tsb p.l.c. EBS is offering home buyers up to 3% Back in Cash.That’s as much as 3% (2% upfront and 1% in 5 years) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS. 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