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@jesrdking If I remember correctly, the 1.5k was only for ulster bank customers.

@linav By port, you mean portfolio? If so, stop using that word. Either pick JAM and/or brk.b and/or some single stocks. JAM and brk.b will have large overlaps. So understand your underlying portfolio. You have to hold for at least a couple of years, selling while in the red on good...

@billdoolinn I locked mine in for 1.95% for 7 years with avant. Plus 1500 cash back. Total luck, as the term was up with Ulster Bank at the time, and they offered the best rates.

@mmdia82 Fair enough, I probably wouldn't either.

@mmdia82 Honestly if you can barely afford the mortgage, you need to rethink getting such a large mortgage. I also thought the banks would make sure you are can afford it. As for AirBnB, be more tax efficient to rent out a room (tax free up to 14k).

@feudum Have you factored in your high mileage to the PCP rate? Walking away from a car in PCP is the worst way to go, any equity in the car is now gone, so you are just renting the car. Do the maths: 5k + 450x36 = 21k in payments. A newer car will always cost more than a banger, which...

@spiritualseeker1989 Those fees are high IMO, but I guess that is the going rate for managed funds. Worth doing a comparison with the likes of Davy PRSA, lower fees and you pick the funds/etfs/stocks.

@otter63 Elaborate.

@otter63 I, and most other people, would not accept a bank draft. There is too much chance of it being dodgy. Cash or instant transfer like revolut is the only way.