Comments

  1. Reply
    Ronan B
    Posted 12 years ago

    Karl, Re EBS I have a standard variable rate of 3.83% and considering fixing on a five year rate of 5.3%. Do you believe this is the right strategy or should I ride out the storm…..

    PS Very informative article

  2. Reply
    Karl Deeter
    Posted 12 years ago

    Hi Ronan,

    I can’t give you advice based on rate alone because there are other factors to consider, other debts, what your mortgage balance/repayment is, if you plan to overpay it etc. If you have a financial advisor ask them, if not you can call our company and one of our brokers may be able to help.

    What I can say is that EBS offer new clients a better rate than that, by almost a full 1%! you might want to consider leaving them altogether and look for a fixed rate elsewhere so you get the promo offer, the cost of the move may be well offset by the difference.
    karl

  3. Reply
    Liam Walsh
    Posted 12 years ago

    Hi Karl

    I have a question which is not directly related to my mortgage with the EBS, but i hope you might help me with some advice. I have a mortgage and an investment fund with the EBS. If the EBS are taken over would the members get shares from the takeover company or a cash dividend if they new owner is not on the stock market?

    Many thanks for your time

    Liam

  4. Reply
    Karl Deeter
    Posted 12 years ago

    Hi Liam,

    I would wager odds of somewhere between 0-2% chance of that happening.

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