Owning your own home

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Sparky

Interesting. This is with Bank of Ireland. I don’t want to sign another long term as I’m sick of this flat and want to move to a house. So I need something flexible. Can they put me on a tracker with a less bonkers rate?

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abr in reply to @Sparky

I was in a similar position earlier this year - the option that made the most sense for me was to go with a tracker mortgage with no early repayment charge (was with Santander).

Since it could be closed at any time and rates were unlikely to massively jump in the short term, it worked out well.

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