Agent alerts

• Fixed rate ends in 45 daysRolls to variable 3.96% on 7 Dec 2026 unless re-fixed
• LTV 53.2%Qualifies for lowest LTV-banded rates

Next best action

1. Offer 3yr fixed at 3.65%Your fixed rate ends on 7 Dec 2026. If we re-fix today at 3.65%, your repayment would be about €2,046 a month instead of €2,117 on variable.
2. Green rate 3.45%As your home is BER A2 rated you qualify for our green fixed rate of 3.45%.
3. Remind of overpayment allowanceYou still have €26,800 of penalty-free overpayments available this year.
4. Check mortgage protection & home insuranceWhile I have you, can I quickly confirm your mortgage protection and home insurance are up to date?

Mortgage

Product

3-year fixed (Fixed)

Rate

2.76%

Fixed until

7 Dec 2026 45d

Balance

€411,951

Original loan

€453,000

Monthly repayment

€1,851.73

Next payment

14 Nov 2026

Term remaining

26y 0m

Property value

€775,000

LTV

53.2%

Arrears

Up to date

Overpayment allowance

Last 6 payments

• 14 Oct 2026€1,851.73Paid
• 14 Sept 2026€1,851.73Paid
• 14 Aug 2026€1,851.73Paid
• 14 Jul 2026€1,851.73Paid
• 14 Jun 2026€1,851.73Paid
• 14 May 2026€1,851.73Paid

Recent interactions

• EmailOpened rate-expiry reminder (no response)17 Oct 2026
• WebViewed "Switching your mortgage" page x32 Oct 2026
• PhoneRequested redemption figure10 Aug 2026

Customer

Address

82 Oakwood Avenue, Bray A98

Segment

Premier

Market context

• 3yr fixed3.65%
• 5yr fixed3.75%
• Variable4.15%
• Green 4yr fixed3.45%