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Mortgage - haggling a better rate.

  • 30-06-2019 11:02pm
    #1
    baldbear
    Registered Users, Registered Users 2 Posts: 5,578 ✭✭✭


    Hi. We are with Aib & currently on 2.95% variable rate. I see Aib fixed rate is now 2.85% for 3 years & was wondering has anyone asked and got a better rate to match a competitor?

    Ulster Bank are offering very good rates but their variable rates aren't great after fixed rate ends.

    I've never switched so am clueless.


Comments

  • #2
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    There is no haggling regarding mortgage rates as far as I am aware however you can get a better Loan to Value rate depending on the valuation of your property. This may incur a valuation fee.

    AIB has the lowest variable rates in the country and you can fix up to five years at 2.85%.


  • #3
    cookie1977
    Registered Users, Registered Users 2 Posts: 6,794 ✭✭✭cookie1977


    Trish56 wrote: »
    There is no haggling regarding mortgage rates as far as I am aware however you can get a better Loan to Value rate depending on the valuation of your property. This may incur a valuation fee.

    AIB has the lowest variable rates in the country and you can fix up to five years at 2.85%.

    I went fixed there with BOI last year. I wanted fixed for 10 years and was initially offered 3.5%. That went initially down to 3.3 with some quick phone chat and then some further haggling I got them to 3.2% on a LTV of 80%. They would budge no further but I was happy with that.


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