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Break fee question (Fixed rate mortgage)

  • 26-08-2022 12:11pm
    #1
    Neamhshuntasach
    Registered Users, Registered Users 2 Posts: 2,171 ✭✭✭


    Hi,

    I called to discuss my mortgage and I was told my break fee would be 0 as of today.

    I'm currently in the process of exploring switching lenders as i can make significant savings based on current rates from other lenders. I was told the break fee today was 0 verbally, however i have seen reference to requesting this in a letter from comments online.

    So i was just checking before calling back up if i should request a hard copy or email stating that it is 0? Or as this may change throughout any process, is it necessary? For example, if break fee is 0 today. Could it potentially be a few thousand in 3 months time when finalizing switching to other lender?

    Also if publicly available, is there a formula that allows a customer to calculate the break fee?


    Thank you.



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