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to fix or not...?

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  • 29-03-2011 10:38am
    #1
    dillodaffs
    Closed Accounts Posts: 67 ✭✭


    Hi,

    i was on a fixed rate of 4.95% and am coming off it, my new options are:

    4.8% fixed for 2 years
    5.1% fixed for 3 years
    4.35% standard variable

    Mortgage is 230k over 35 years, 3yrs gone on it. Im thinking i will take the 5.1% fixed for 3 yrs. i like the security of knowing what i will be paying each month.

    what do people think? Thanks


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    #2
    jonnny68
    Closed Accounts Posts: 3,670 ✭✭✭jonnny68


    +1 think your right there, i definitely wouldn't go near the 4.35% standard variable anyway.


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    #3
    prettygurrly
    Registered Users Posts: 727 ✭✭✭prettygurrly


    agree with Johnny. If I could get a mortgage I would be fixing it...


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    #4
    phantom60
    Registered Users Posts: 199 ✭✭phantom60


    Do you mind me asking what bank that is with dillodaffs ?


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    #5
    dillodaffs
    Closed Accounts Posts: 67 ✭✭dillodaffs


    its with ulsterbank.... is that a bad thing...????


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    #6
    phantom60
    Registered Users Posts: 199 ✭✭phantom60


    Thanks dillodaffs - am with them myself so was just wondering about the fixed rates.
    As for whether or not its a bad thing being with UB.....I'm not going to comment, in case I start ranting!!


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    #7
    phantom60
    Registered Users Posts: 199 ✭✭phantom60


    Do you mind telling me when UB offered you those rates dillodaffs ?

    I got a rate change letter today, and the fixed rates on it are
    5.4% fixed for 2 years
    5.7% fixed for 3 years

    but both are for <90% LTV.


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    #8
    dillodaffs
    Closed Accounts Posts: 67 ✭✭dillodaffs


    thats weird....my fixed rate ended 31 March, the letter i got from them was dated 15 March 2011.

    both the fixed rates they offered me are for <90% LTV as well.


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