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Phone call from Bank Manager!

Filmer Paradise · 2018-02-14 23:36:00

Hi All Got a phone call out of the blue from my mortgage provider during the week. Long story short. I'm on a variable at 3.7%. He's offering to fix me for 3 years on 3.1%. Is this a good deal? Should I bargain him down a bit or should I stay on a variable for now? I'm half way through a 30 year term & know Zip about these…

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#32 20-02-2018 3:50pm

draiochtanois

Registered Users, Registered Users 2 Posts: 2,655 ✭✭✭

Join Date: September 2011

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#33 20-02-2018 3:50pm

Paulmee

Registered Users Posts: 151 ✭✭

Join Date: August 2004

Posts: 126

I have just switched to a fixed rate for 3 years with UB(2.99, loyalty rate and 60-80% LTV)
I had been on a 3.3 variable rate and before that a 4.3 variable rate(when I was in negative equity)
A fixed rate of around 3 is good, plus it gives me some stability, considering I was paying 4.7 a few years ago!!

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