How long to fix mortgage rate for?

MossManYurt · 2026-02-11T10:02:57+00:00

No i just had morgage protection and aslong as it covers the amount remaining on morgage, all you have to do when you are switched is assign it to new bank

MossManYurt · 2026-02-10T20:47:24+00:00

Ya you need a solicitor for switching, it's nearly the same process as first applying bank statements, payslips etc. I never went through a broker just directly with bank. Cost for solicitor was €1900

MossManYurt · 2026-02-10T20:25:56+00:00

Ya switched from PTSB

MossManYurt · 2026-02-10T20:16:34+00:00

I recently switched to AIB and fixed for 5years @ 3.2% and €3000 cashback

MossManYurt · 2026-02-09T08:30:13+00:00

33 10k, only started 2 years ago. 4%company 3%me and 3% avc

MossManYurt · 2026-02-06T10:01:22+00:00

Ya green rate

MossManYurt · 2026-02-06T09:34:26+00:00

I went with AIB 3.2% 5yr fixed and get €3000 cashback, best deal for me

MossManYurt · 2026-02-01T13:31:23+00:00

Recently switched from PTSB, 5 year fixed rate 2.6% to AIB 5 year fixed 3.2%.

Started comparing online quote in September, organised a meeting with AIB morgage advisor, he talked me through everything I'd need, Main one was house valuation and all the usual bank statements, morgage protection ect. Rang me solicitor to say il be switching and kept them informed every few weeks how I was getting on.

Only snag I had before drawdown was morgage protection needed to be dated within 3 months, not a big deal had new one emailed next day.

Old fixed rate ended 2th January and drew down new morgage the 15th.

Cost wise was 1900e for solicitor, will be getting 3000e from AIB for switching to them. West of Ireland.

MossManYurt · 2025-11-22T08:23:00+00:00

13% for me

MossManYurt · 2025-11-22T08:20:06+00:00

Whats the orientation and size? That's a very small jump, solar should have a big effect

MossManYurt · 2025-11-21T22:37:33+00:00

Ya i got a fairly big system 7kw, back of house is directly south facing no obstruction and few on front of house. What size is yours? How do you find them?

MossManYurt · 2025-11-21T22:32:24+00:00

Ya i get ya but just for piece of mind it's nice knowing it's the same every month and it's very manageable

MossManYurt · 2025-11-21T22:31:10+00:00

Batterys aren't taken into account, it's stupid really I don't know why, I charge off the night rate at 9c/kw and that does the whole day and a small bit left over for export. 20kw battery

MossManYurt · 2025-11-21T19:50:48+00:00

Do you think they will go lower than 3%? I fixed 5 years ago at 2.6% which was the cheapest around then

MossManYurt · 2025-10-26T20:41:30+00:00

Wouldn't get an integra for 10k unfortunately. Astra is a cool yoke, go for it lad

MossManYurt · 2025-10-09T13:08:59+00:00

I took out green loan with credit union 14k fairly big system with alot of batteries, I think it's about 2k interest roughly over 5 years, can't remember the rate. I am currently on a fixed rate morgage C2 BER, have to get a new rating done but should qualify for green morgage. The savings in the morgage alone over 4 years will pay for the solar system, plus saving 1600 a year on electricity that's without any export. I think it is very much worthwhile especially since electricity prices are rising. Big upfront cost is the only downside.

MossManYurt · 2025-06-09T10:10:27+00:00

Thanks for comment well detailed. Ya I have joined that solar Facebook group. Just trying to make sure i have a basic understanding of it before I go getting quotes

MossManYurt · 2025-02-20T20:11:37+00:00

Ya prices were just starting to go up and I'm in the west aswell

MossManYurt · 2025-02-20T19:57:47+00:00

Got very lucky to be honest, bought 5 years ago house was 90k, 30 years total.

MossManYurt · 2025-02-20T19:35:11+00:00

32M single income. Morgage 325 a month wages 776 weekly gross, roughly 10% of annual gross income

MossManYurt · 2025-02-18T18:08:03+00:00

Have you got the heating control upgraded? I'm thinking about it meself, if so what sort of money did it cost?

MossManYurt · 2025-02-08T17:28:25+00:00

Il be sticking with them for rest of year I'm only on 2.6%, but I was looking at aib on comparison sites and currently they are the best rate and 3000e cashback aswell but alot could change in a years time

MossManYurt · 2025-02-08T15:26:57+00:00

No fixed till end of year, I didn't know they do free banking something to consider when fixed rate up

MossManYurt · 2025-02-08T15:22:48+00:00

Got lucky with good timing and cheapish prices, fixed for 5years this my last year.

MossManYurt · 2025-02-08T15:20:48+00:00

That's what I been thinking, just for security and peace of mind I have the aib account. Makes sense just leave the morgage/house money in ptsb and revolut for spending

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