Mortgage Concerns!

geotrig

bought at peak have about 15-16 years left i think on tracker +1.1% ecb rate and about 160k left , if i had shorter time left or could have got a longer fixed rate ,say 10 years ,i would have fixed ,big increases over the last year though which makes it tough !

Facthunt

What are the fixed rates out there that are being offered atm? I take it no one looking to risk jumping to a tracker at present!

ottolwinner

I finished my mortgage at 4.88% rates for the last few years fixed.

sounds high I know but I had many good years at 2% so didn’t fuss too much.

Ironically I looked at getting another mortgage last year and banks wouldn’t look at me, even though they held a charge over my property with only 38k owing at the time.

well done to everyone juggling life’s waves right now.

Kirbi

On 2.75% fixed for the next 18-ish years, with 9 to go afterwards.

Aiming to start overpaying in the next couple of years, once some other expenses are sorted.

L1011

https://www.boards.ie/discussion/comment/121308064#Comment_121308064

There hasn't been a new tracker product available since the crash, nor do I expect any bank will risk it again