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2013 the year banks told borrowers to hand back the keys?
We help different people with different things, and while most of our debt problem clients face broadly similar reactions from the banks, we think it’s important to post the documents which show a...
View ArticleICS to be sold and currently ceasing mortgage offerings.
We have just found out that the EC have approved Bank of Ireland in keeping New Ireland assurance but that ICS must be sold and they are to stop accepting mortgage applications with immediate effect....
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Lickety split-mortgages: are they really a solution? #splitfail
The calls for ‘more split mortgages’ are commonplace, what is often lacking is a deeper understanding of the flaws inherent. For instance, why was there any outcry at banks charging interest on the...
View ArticleRTE Drivetime: What it’s like to be inside a debtors meeting
We were asked to talk to Drive Time on RTE radio about a borrower meeting we were at with a bank. This meeting was typical of the ones we regularly attend and also typical in both tone and outcome....
View ArticleDon’t be late! Banks announcing cut off dates for mortgage cheques
Every year Santa brings a few unlucky kids some coal, the banks have a similar deal for people who are late with their paperwork and it’s called a ‘cut off date’. This means that irrespective of what...
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ICS Building Society RIP 1864 – 2014
After 150 years the Irish Civil Service building society (known as ICS and a subsidiary of Bank of Ireland) is set to close. The letter delivered to the intermediary channel is on the left. ICS started...
View ArticleIf you need mortgage assistance during the covid 19 pandemic
Below is a list of numbers for the banks where you can speak to representatives who will be able to assist you with any concerns you have about making mortgage payments during the covid19 pandemic. AIB...
View ArticleMortgage lenders in Ireland
There are ten mortgage lenders in Ireland. AIB, Bank of Ireland, EBS, Finance Ireland, Haven, ICS/Dilosk, KBC, PTsb, Ulster Bank and Credit Unions. A mortgage broker can help you make an application to...
View ArticleMortgage switching 2022
Last year of the people approved for a mortgage about half of those are first-time buyers. The slowing in the numbers approved for a home, comes as some lenders have already said they increasing their...
View ArticleCompare Mortgage Rates of Irish Lenders
The ECB will continue to raise the interest charges over 2% by the end of the year 2022. In 2023 it will be up to over 3%. If you are a first time buyer you must have 10% of the whole house price. If...
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