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Image New to Ireland and looking to open a current account here for the very first time? Or maybe you’re fed up with your current bank’s pesky fees and charges and are looking to switch to a better type of account? Well look no further!

Our current account comparison service lets you easily compare the different account features and charges from all of Ireland’s providers and will quickly show you what your monthly fees will be. And of course our service is free, easy-to-use, 100% impartial and accurate.

Run a comparison today at: 

https://www.bonkers.ie/compare-current-accounts/

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

It's easy. It's free. It's bonkers.ie!
________

bonkers.ie is a free and impartial comparison and switching service which helps you easily compare prices and features across a range of broadband, energy, banking and insurance providers. Our aim is to help consumers in Ireland take advantage of the best prices and services on offer from Irish suppliers. So whether you want faster broadband, cheaper energy, a lower mortgage rate or better insurance cover, we can help! bonkers.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of energy price comparisons. And we are authorised by the Central Bank of Ireland for our life insurance and mortgage business.

Check our Website: https://www.bonkers.ie

Find the best value current account with bonkers.ie

Image Fixed-rate mortgages have become more and more popular in Ireland in recent years. 

And Avant Money even recently introduced Ireland's first ever 30-year fixed-rate loan.

But what exactly is a fixed rate? Should you choose one? And what are the pros and cons of choosing a fixed rate over a variable rate for example? 

In this video we’ll take a look at everything you need to know.

To compare all the fixed rates and variable rates across all lenders in Ireland you can run a quick comparison on bonkers.ie right now at the link below:

https://www.bonkers.ie/compare-mortgages/

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

It's easy. It's free. It's bonkers.ie!
________

bonkers.ie is a free and impartial comparison and switching service which helps you easily compare prices and features across a range of broadband, energy, banking and insurance providers. Our aim is to help consumers in Ireland take advantage of the best prices and services on offer from Irish suppliers. So whether you want faster broadband, cheaper energy, a lower mortgage rate or better insurance cover, we can help! bonkers.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of energy price comparisons. And we are authorised by the Central Bank of Ireland for our life insurance and mortgage business.

Check our Website: https://www.bonkers.ie

The pros and cons of fixed versus variable rates

Image With Ulster Bank and KBC both announcing plans to exit the Irish market, many of you will undoubtedly be looking for a new home for your current account.

The good news is that there is still plenty of choice and value on offer from the remaining providers.

In this video we take a look at who's offering the best current account in 2021.

For a full list of current account options from all the providers in Ireland you can run a quick comparison on bonkers.ie right now at the link below:

https://www.bonkers.ie/compare-current-accounts/

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

It's easy. It's free. It's bonkers.ie!
________

bonkers.ie is a free and impartial comparison and switching service which helps you easily compare prices and features across a range of broadband, energy, banking and insurance providers. Our aim is to help consumers in Ireland take advantage of the best prices and services on offer from Irish suppliers. So whether you want faster broadband, cheaper energy, a lower mortgage rate or better insurance cover, we can help! bonkers.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of energy price comparisons. And we are authorised by the Central Bank of Ireland for our life insurance and mortgage business.

Check our Website: https://www.bonkers.ie

Who's offering the best current account in 2021?

Image With Ulster Bank and KBC both announcing plans to exit the Irish market, many of you will undoubtedly be looking for a new home for your current account.

The good news is that there is still plenty of choice and value on offer from the remaining providers.

In this video we take a look at who's offering the best current account in 2021.

For a full list of current account options from all the providers in Ireland you can run a quick comparison on bonkers.ie right now at the link below:

https://www.bonkers.ie/compare-current-accounts/

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

It's easy. It's free. It's bonkers.ie!
________

bonkers.ie is a free and impartial comparison and switching service which helps you easily compare prices and features across a range of broadband, energy, banking and insurance providers. Our aim is to help consumers in Ireland take advantage of the best prices and services on offer from Irish suppliers. So whether you want faster broadband, cheaper energy, a lower mortgage rate or better insurance cover, we can help! bonkers.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of energy price comparisons. And we are authorised by the Central Bank of Ireland for our life insurance and mortgage business.

Check our Website: https://www.bonkers.ie

Who's offering the best current account in 2021?

Image Our mortgage calculator lets you easily compare interest rates, offers and cashback deals from all of Ireland’s mortgage lenders.

Whether you’re a first-time buyer, home mover or looking to switch mortgage, we’ll take the hard work out of finding the best mortgage deal for you.

And when it’s time to take out mortgage protection insurance, we can help too! Our mortgage protection comparison service lets you easily compare prices from Ireland’s main insurance providers and get cover in under one hour too.

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

It's easy. It's free. It's bonkers.ie!
________

bonkers.ie is a free and impartial comparison and switching service which helps you easily compare prices and features across a range of broadband, energy, banking and insurance providers. Our aim is to help consumers in Ireland take advantage of the best prices and services on offer from Irish suppliers. So whether you want faster broadband, cheaper energy, a lower mortgage rate or better insurance cover, we can help! bonkers.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of energy price comparisons. And we are authorised by the Central Bank of Ireland for our life insurance and mortgage business.

Check our Website: https://www.bonkers.ie
________

Song: That Fuzzy Feeling
Music provided by Juqboxmusic | No Copyright
https://www.juqboxmusic.com/

Start your mortgage journey with bonkers.ie

Image Current account switching rates in Ireland are incredibly low at less than 0.10% but with plenty of choice and money to be saved, it makes sense to switch! 

In this video we take a look at three top current account options, from features to transaction fees. 

Looking to compare current accounts yourself? Click here: 
https://www.bonkers.ie/compare-current-accounts/

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Which bank has the best value current account?

Image KBC has made it easier for customers to avoid fees on its Extra account. We caught with KBC's Head of Current Accounts Vincent Keogh to see what impact this would have on customers' day-to-day banking.

Compare current accounts here: 
https://www.bonkers.ie/compare-current-accounts/

For more information, head over to bonkers.ie/blog

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

KBC opens up fee-free banking to more customers

Image We're live and this week we’re looking at the Central Bank of Ireland's mortgage lending rules and what they could mean for your mortgage application.

For more information, head over to bonkers.ie/blog

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Everything you need to know about the Central Bank's mortgage lending rules

Image Whether you’re searching for the current account with the fewest fees, the credit card with the lowest interest rate, or the savings account with the best returns, our website lets you quickly and easily compare fees, interest rates, and account features across a range of banking products so that you can find the best deal for you in just minutes.

Compare banking products here:
https://bit.ly/2Qoqr0X

Looking for more information? Head over to our blog: https://bit.ly/2MMqmSN

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Easily compare banking products with bonkers.ie

Image Our current account comparison service lets you easily compare the different account features and charges from all of Ireland’s banks and will quickly show you what your monthly fees would be.

Compare current accounts here:
https://bit.ly/2wHK37T

Looking for more information? Head over to our blog: https://bit.ly/2NggtB0

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Find the best value current account on bonkers.ie

Image Our credit card comparison service lets you easily compare interest rates, balance transfer options, and card features from Ireland’s main credit card providers.

Compare credit cards here:
https://bit.ly/2CgUg1c

Looking for more information? Head over to our blog: https://bit.ly/2NggtB0

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Find the best credit card with bonkers.ie

Image bonkers.ie TV Ep #201

Mortgage switching isn't particularly common in Ireland but it could save you thousands over the lifetime of your mortgage.

In this video we look at the best rates on offer for those looking to switch mortgages and save money on their monthly repayments. 

Want to compare mortgage rates? Click here: https://bit.ly/2lSUT6f

Looking for more information? Head over to our blog: https://bit.ly/2MMqmSN

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

How much can I save by switching my mortgage?

Image bonkers.ie TV Ep #199

We often hear about that all-important 10% deposit when it comes to buying a house but what about the other costs involved in the process of coughing up for your first home?

In this video we run through many of the expenses you might not have considered yet, from stamp duty to solicitor's fees and even the dreaded property tax.

Want to compare mortgage rates? Click here: https://bit.ly/2lSUT6f

Looking for more information? Head over to our blog: https://bit.ly/2MMqmSN

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

The extra costs to consider before buying your first home

Image bonkers.ie TV Ep #197

It's holiday season! That means going abroad and, more than likely, spending money!

In this video we break down how much it will cost you to use your debit card in and out of the Eurozone so you don't get caught out by any shock charges when you get back home. We also share some tips on how to spend smarter and save money when splashing the cash overseas.

Want to compare prepaid cards? Click here: https://bit.ly/2JYEuHI

Looking for more thorough breakdown of all charges? Head over to our blog: https://bit.ly/2IrDfPV

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

The truth about overseas banking charges

Image bonkers.ie TV Ep #196

In this video, we compare the best prepaid money card options on the market - some of which are now offering financial services to rival those of your traditional current account.

Want to compare prepaid cards? Click here: https://bit.ly/2JYEuHI

Looking for more info about all the relevant fees and features of each card? Head over to our blog: https://bit.ly/2llK6kv

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

The best prepaid money cards on the market right now

Image bonkers.ie TV Ep #189

While there's no avoiding the fact that all of Ireland's five major banks charge fees of some description, you might not know that there are ways to avoid them.

In this video, we run through the ways in which you can reduce your banking fees or even avoid them altogether.

Don't feel like your current bank compliments your spending habits? It's really easy to compare and switch current accounts on bonkers.ie:
https://bit.ly/2jnNyu9

Looking for more information? Head over to our blog: https://bit.ly/2JLiqzN

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

How to avoid banking fees

Image bonkers.ie TV Ep #187

Current account switching is lower than 1% in Ireland but there's plenty of reasons to shop around once you know what your bank is charging you for daily transactions.

In this video we look at Ireland's five major banks and how much their day-to-day fees are costing you.

Interested in switching current accounts? Run a comparison here: https://bit.ly/2jnNyu9

Looking for more information? Head over to our blog: https://bit.ly/2JLiqzN

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Banking fees: are you overpaying?

Image bonkers.ie TV Ep #184

Have you been curious about contactless phone payments but unsure how it works, how much it costs or what the transaction limit is? 

Well, in this video we give you all the information you need to get your chosen device up and running with Apple Pay or Google Pay (formerly Android Pay). 

For more information on contactless payments and banking fees, check out our blog: https://bit.ly/2HfbGth

Looking to switch current account? Run a comparison here: https://bit.ly/2HdVtZq

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Everything you need to know about Apple Pay & Google Pay

Image bonkers.ie TV Ep #183

A number of banks have recently cut their mortgage rates but what does a drop of 0.2% or so really mean for your bank balance? 

In this video we take look at what it all means for Irish homebuyers, discuss whether or not cashback offers represent good value, and share some tips for getting mortgage approved.

You can see our most recent video about the most best fixed and variable mortgage rates on the market here: https://youtu.be/qkvp0Wugr3A

Compare mortgage rates here: http://bit.ly/2zJCkHL

Looking for more information on any of the rates we touched on here? Head over to our blog to read more: https://bit.ly/2H6jzEl

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Ireland's latest mortgage rate war

Image bonkers.ie TV Ep #182

Taking out your first mortgage is one of the most important financial decision you'll ever make.

In this video, we break down the figures and give you the lowdown on the best variable and fixed rates currently available to first-time buyers on the Irish mortgage market so you can make the right decision for you.

Compare mortgage rates here: http://bit.ly/2zJCkHL

Looking for more information on any of the rates we touched on here? Head over to our blog to read more: https://bit.ly/2H6jzEl

Questions, comments? Leave them below and we'll get back to you as soon as possible. Thanks for watching! 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

--
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Which bank is best for first-time buyers? [SPRING 2018]

Image bonkers.ie TV Ep #180

The idea of switching mortgages can be daunting, so we sat down with David Moore, Director at HMP Insurance & Pension Advisors, to break down the process; from how long it takes to how much it could save you.

Looking to find the best mortgage rate on the market for you? Run a comparison here: http://bit.ly/2p93HHb

To read more about mortgages, visit our blog: http://bit.ly/2FOPxUX

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Switching mortgages in Ireland

Image bonkers.ie TV Ep #179

What is a pension? When should you start a pension? What are the tax reliefs involved?

These are important questions that need answering! So in this video, we sit down with Colm Power of HMP Finance & Pension Advisors to demystify one of the most important financial topics out there - pensions.

To read more about this subject, visit our blog: http://bit.ly/2HedDWj

To learn more about the pension reforms that are due to take effect in the coming years, check out this video:
https://youtu.be/eP9jBQ5DiSM

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

A Beginner's Guide to Pensions

Image bonkers.ie TV Ep #178

Following the government's recent range of pension reforms, we sit down with Colm Power of HMP Finance & Pension Advisors to discuss what it all means for you and your money.

To read more about this subject, visit our blog: http://bit.ly/2HedDWj

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Ireland's pensions reforms explained

Image bonkers.ie TV Ep #172

With savings rates at an all-time low and DIRT at 37%, it can feel like a savings account isn't the best way to make your money work as hard as you do.

In this video, we sit down with the Founder and CEO of Moneycube, Ralph Benson, to discuss the savings environment in Ireland at present and the alternative means of seeing a return on your money.

For more information about Moneycube, visit their website: https://moneycube.ie/

To compare saving accounts, click here: http://bit.ly/2FNbEYy

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Alternatives to Savings Accounts for 2018

Image bonkers.ie TV Ep #171

The most expensive time of the year is behind us, hurrah! Spring is here and it’s the perfect time to give your household bills a bit of a spring cleaning. 

To help you get started, here’s your January round-up of the latest news and savings tips from the worlds of energy, broadband, banking and more. 

If you're looking for more information on any of the stories covered here, head over to our blog: http://bit.ly/2E5GQEY

Compare energy providers here; http://bit.ly/2FCKoLV
Compare broadband, phone & TV deals here: http://bit.ly/2DUrx2y
Compare mortgage rates here: http://bit.ly/2nxMfdS

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

Your January Round-Up

Image bonkers.ie TV Ep #166

Winter can be the most expensive time of year for many households, with bigger bills to pay and longer lists of things to buy. 

In this video, we share our top 5 savings tips for winter, which will leave you with more money for the things you'd rather be spending on over the season!

Looking for more information on these tips? Head over to our blog here: http://bit.ly/2AmBPms

You can always run a comparison to find the best deal on energy, broadband, banking and more on bonkers.ie: http://bit.ly/1S3UtSk

Questions or comments? Leave them down below and we'll get back to you as soon as we can. 

Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

5 quick ways to save money this winter

Image *Compare mortgage rates here: https://www.bonkers.ie/compare-mortgages/

bonkers.ie TV #146

KBC has announced that it will introduce a number of market-leading 10-year fixed mortgage rates from October 2nd, in a move which will add further competition to the Irish mortgage market.

Read more about KBC rate cuts here: https://www.bonkers.ie/blog/mortgages/kbc-announces-new-fixed-mortgage-rates/

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

KBC announces new fixed mortgage rates

Image *Compare mortgage rates here: https://www.bonkers.ie/compare-mortgages/*

 bonkers.ie TV #144

AIB has announced that it will cut a range of variable and fixed mortgage rates for new and existing customers, in a move which will likely shake up the Irish mortgage market.

Read more about AIB's rate cuts here: https://www.bonkers.ie/blog/mortgages/aib-announces-mortgage-rate-cuts-for-new-and-existing-customers/

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

AIB cuts mortgage rates

Image On this episode of bonkers.ie TV, we discuss KBC's fixed rate mortgage rate cuts and what they mean for first-time buyers and those switching mortgages.

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

KBC cuts fixed mortgage rates | bonkers.ie TV Ep.125

Image **Compare and switch mortgage protection: http://bit.ly/2eiEWmb**

Hi everyone, hear me out on this one – I want to talk to you about mortgage protection insurance. Not the most interesting topic, I’m sure you’ll agree. Ok, so we’re not really going to talk about mortgage protection insurance but rather how you can save money by switching providers.

First, what is mortgage protection insurance?

Well, if you take out a mortgage and pass away before it’s paid off, your mortgage insurance will pay the remainder of your loan back to the bank. Most significantly about mortgage protection insurance, it’s compulsory for all residential mortgage holder in Ireland.

So, everyone has to pay it, so you might as well make sure you’re getting the cheapest deal out there, right?

Why do so many people overpay for mortgage protection?

Well, anyone who has gone through the process of getting a mortgage knows that it’s an expensive, intensive and often confusing process. And many people simply let their lender organise their mortgage protection insurance for them. And that’s very understandable, one less thing for you to worry about at a really busy time of your life.

So what’s wrong with your bank taking out cover for you?

 Well, as you would expect, all Irish banks have an arrangement with an insurer to arrange mortgage protection for its customers. But this means that you’re missing out on other cheaper options that you could get by shopping around.

How much could you save?

The average customer can save an estimated €190 a year by switching mortgage protection insurance. And when you consider that mortgage terms are usually over 20 years long, you’re talking thousands of euro in savings. And 48% of people have never actually shopped around.

How can you switch?

Well, on bonkers.ie, we now help you to shop around for mortgage protection insurance and to switch providers if you’re already on a policy.

You just enter a small number of details about your existing mortgage to generate a quote and see how much you could save. Pick your new provider and our partners at low.ie will complete the switch for you.

**Compare and switch mortgage protection: http://bit.ly/2eiEWmb**

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

How to save on your mortgage protection insurance | bonkers.ie TV Ep.104

Image **Compare savings accounts: http://bit.ly/2cOVmkS**

**Compare mortgage rates: http://bit.ly/2cWGXoQ**

3 key habits to help you get mortgage approval

Hi guys, I’d like to talk to you about the m-word…mortgages.

KBC just did a survey which found that 32% of Irish adults are hoping to buy a house in the next two years. That’s nearly one in three! And it’s 8 times higher than that’s what’s usually seen in normal housing market. 

But it sure isn’t easy to buy a house in Ireland these days – rents are at an all-time high, making it really difficult to save that all-important deposit.

So, I’d like to talk about three simple habits that will help set you up for success when you sit down with your bank for your first mortgage chat.

Let’s take a look.

1 – Set up a regular saver account
Interest rates are very low at the moment, but there is some decent value out there if you know where to look.
EBS is offering a 3% return on savings and KBC is offering 2.5% to current account holders.
So, if you put €300 away every month for a year, for example, you’ll be left with a sum of over €3,600, which can of course go towards your deposit savings. 
But more importantly, it’ll show the bank that you have a disciplined savings strategy in place, which will really help your chances of getting approval.
You can sign up for a new savings account on bonkers.ie now, the link is in the description.

2 – Pay your rent by standing order
Your bank is going to want to see what’s known as repayment capacity when considering you for a mortgage. Basically, they want have confidence that you aren’t going to miss any repayments.
Your rental payments are the best way to show this, but it’s essential that your pay rent by standing order and not in cash. If it’s in cash, you won’t be able to show the bank how good you are at paying in full and on time every month.

3 – Regularly compare mortgage rates
Although Ireland’s mortgage rates are higher than the EU average, there have been some cuts this year. On bonkers.ie, you can easily see which bank is offering the best rate for your specific requirements. Set a calendar reminder to check the latest rates every week – it’ll give you a good understanding of what’s good value is and which bank you should approach when the time comes.

There you have it, guys – whatever your circumstances, by setting up a regular saver account, paying rent by standing order and regularly checking the latest rates on bonkers.ie, you’ll be setting yourself up for success when you go out there to get mortgage approval.

**Compare savings accounts: http://bit.ly/2cOVmkS**

**Compare mortgage rates: http://bit.ly/2cWGXoQ**

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

3 habits to help you get mortgage approval | bonkers.ie TV Ep.97

Image ** Switch Mortgages Here: http://bit.ly/2bt5v7E **

Today I’m going to share four top tips for first-time buyers saving for their first home

Soaring rents, high house prices and the Central Bank’s minimum deposit requirements have meant that it’s particularly difficult for first-time buyers to save up enough money for  property purcahse in the current environment. 

So here are four top tips to help you best prepare for that big purchase.

One – Set up a regular saver account

The first thing a bank will do when considering you for a mortgage is look at the last 6 months of your financial statements. And they will be impressed if they see consistent and disciplined savings habits, even if it’s just a small amount that you’re putting away.

EBS is currently offering a 3.00% return to regular savers and KBC is offering 3.5% to  savers who hold a current account with the bank.

Two – Approach signup incentives with caution

Most of Ireland’s major banks are offering cashback to new mortgage customers at the moment, with as much as €4,000 cash offer for someone taking out a €200,000 mortgage.

These are can be very tempting offers, but it’s essential to consider the repayment rate you’re signing up for and the overall lifetime cost of your loan.

Three – Switch gas and electricity suppliers

Lowering your household bills will of course help you with your saving for a deposit.

Energy bills can be one of the biggest expenses a household faces every year and an incredible 85% of people are still paying more than they have to. There’s up to €360 to be saved by switching today. I don’t know any first-time buyers who wouldn’t like that bit of extra cash to put towards their deposit.

Four – Shop around for mortgage protection insurance

Once you get your first mortgage, you’ll also have to get mortgage protection insurance. Most people buy this directly from their lender out of convenience, but you don’t have to! By shopping around, you could save up to €190 a year if you’re a non-smoker and even more if you’re a smoker!

There you have it, it can be really challenging to save up for your first home in the current environment, but by saving regularly, considering the lifetime cost of your loan and lowering your household bills, you’ll be placing yourself in as strong a position as possible to get your first home.

4 Tips for First-Time Buyers | bonkers.ie TV Ep.88

Image ** Sign up for KBC's Student Account Here: http://bit.ly/2bogAoe **

Today I’m going to tell all you new students out there how to €100 free cash this Fresher’s Week and what to look for in a student bank account

If you’re a new student starting this year, one of the first things you’re likely to do during Freshers Week is open a bank account. You’ll need a debit card for your day-to-day spending, some direct debits to pay for things like rent and bills and maybe some savings too for a college trip next summer.

KBC is very keen to have you pick them as your bank, so much so that they’re offering €100 free cash to students who open a current account with the bank before October 31st. Here’s how it works.

Once you open your student current account with KBC, you’ll immediately get €40. Then, if you active your  internet and mobile banking and make 10 debit card transactions before December 31st, the remaining €60 will be transferred to your account in January.

Sign-up incentives are exciting, but it’s important to look at every feature of an account before signing up.

KBC’s student current account comes with fee-free contactless payments, debit card transactions, ATM withdrawals and cashback. There are also no quarterly maintenance fees.

Ireland’s banks will be competing fiercely over the coming months to win students to their ranks but for students who want to make themselves €100 richer and get fee-free banking, they can sign up for KBC’s student current account on bonkers.ie now.

** Sign up for KBC's Student Account Here: http://bit.ly/2bogAoe **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

http://www.bonkers.ie/

€100 for students who choose KBC | bonkers.ie TV Ep.85

Image ** Watch 'Your Guide to Getting a Mortgage in Ireland': http://bit.ly/1qNqC9r **

** Switch Mortgages Here: http://bit.ly/1PyIedo **

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Today I’m going to tell you about the cash incentives currently being offered to Irish mortgage customers

Last week, EBS announced that it was offering 2% cashback to new mortgage customers including first-time buyers, home movers and those switching mortgages.

That means that you will get €2,000 in cash for every €100,000 you draw down

The offer is available until October 31st and, interestingly, there is no minimum amount of time with which you must keep your mortgage with the bank in order to keep the cashback, which is not the case with similar offers

Bank of Ireland was the first bank to offer 2% cashback and recently extended its offer until September 30th

It’s available to first-time buyers, movers and those who are switching. The bank may seek to reclaim some or all of the cashback if the mortgage is redeemed within 5 years.

Permanent TSB is also offering 2% cashback to fist-time buyers, movers and those who switch until June 30th, so just two more days!

The bank may seek to reclaim some or all of this if the mortgage is redeemed within 5 years of switching

Ulster Bank is offering a flat €1,500 in cash to first-time buyers, movers and those who switch, until December 31st. That should be enough to cover the legal fees associated with getting a mortgage.

AIB is offering €2,000 in cash to customers who switch their mortgage to the bank by December 1st, but the offer isn’t available to first-time buyers or movers

Similarly, KBC is offering €2,000 to customer who switch, but not to first-time buyers or movers. This offer expires on September 30th.

Up front cash incentives have become increasingly popular in recent years and there’s a lot to be said for getting a large lump sum as you embark upon a new mortgage. However, it is important to always carefully consider the rate you’ll be paying over the lifetime of a loan to make sure the cash incentive is actually a good deal overall.

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Cashback offers for new mortgage customers | bonkers.ie TV Ep.62

Image ** Switch Mortgages Here: http://bit.ly/1PyIedo **

Today I’m going to tell you five things First-Time buyers must know before getting a mortgage

One – how much you can borrow 

First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.

Two – how big a deposit you’ll have to provide

You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front. 

If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000

Three – how to show the bank that you’re a safe bet for a loan

Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.

Four – your bank’s exceptions

All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.

Five – how much it’ll cost you every month

Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.

There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie 

** Switch Mortgages Here: http://bit.ly/1PyIedo **

5 Things First-Time Buyers Should Know Before Getting a Mortgage | bonkers.ie TV Ep.50

Image ** Compare and Switch Current Accounts: http://bit.ly/1TBnlne **

Welcome to #AskBonkers, the show where you ask us questions about broadband, bills and basically anything to do with household budgeting and we answer them!

On this episode, we talk about Permanent TSB's new current account.

Tweet your questions to us @bonkers_ie using #AskBonkers and we'll answer them in next week's episode!

** Compare and Switch Current Accounts: http://bit.ly/1TBnlne **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Will Permanent TSB really pay you to open a current account? | #AskBonkers | bonkers.ie TV Ep.49

Image ** Compare and Switch Current Accounts: http://bit.ly/1TBnlne **

Today I’m going to tell you three things you need to know about Permanent TSB’s new Explore current account

Number one – the bank is doing away with fee-free banking and will now be charging a €4 monthly fee to customers, but there are no transaction fees.

Number two – The bank will pay you 10 cent for every time you use your debit card, either for a point of sale payment or for online shopping, up to a maximum for €5 per month. 

This means you’ll have to use your card 40 times in a month to cancel out the €4 monthly fee but you could actually make a €1 profit every month if you use your card 50 times.

Number three – you can earn up to 5% cashback on certain bills, if you pay them via direct debit from your Explore account. And this is the most interesting part of Permanent TSB’s new account. So far, Sky Ireland, SSE Airtricity and Topaz are on board for this, but we’re told that there are more to come. 

So there you have it, Permanent TSB’s Explore account will be standard for new customers, and existing customers can move over to the account but can keep their existing account if prefer that.

The account will actually help you save, or even make money if you use your debit card more than 40 times a month and if your utility suppliers are signed up to the cashback programme.

But if you don’t use your debit card 40 times a month and don’t get any of cashback offers, the account will cost you money.

** Compare Current Accounts Here: http://bit.ly/1TBnlne **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

http://www.bonkers.ie/
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Permanent TSB's New Current Account: Three Things You Need to Know | bonkers.ie TV Ep.47

Image ** Switch Mortgages Here: http://bit.ly/1PyIedo **

Today I’m going tell you how to find out if you’re eligible to switch mortgages

There are savings of over €10,000 over the lifetime of a loan to be had by nearly 27,000 borrowers in Ireland, according to the Central Bank.

But how do you know if you’re in this group? Well, a good place to start is by answering these 4 questions.

Are you on a tracker rate?

If you’re on a tracker rate, it won’t be worth your while switching. There simply isn’t a better option out there for you.

Are you in negative equity?

If you’re in negative equity, as about 100,000 people in Ireland still are, you’re not allowed to switch, unfortunately.

Question number 3, are there better rates out there?

To see if there’s a better rate available right now, you should go onto bonkers.ie and enter the details of the mortgage you’re looking for to see if you would save by switching.

Have your circumstances changed dramatically since you got your original mortgage?

The bank you’re switching to will take a look at your ability to repay your mortgage, even though it’s a lower rate than what you’ve already been paying. 

For example, if you have built up large debts since you got your first mortgage, this might preclude you from switching.

If you’re not on a tracker, not in negative equity and haven’t had any major changes to your circumstances, it’s very likely that you’re eligible to switch mortgages and doing so could save you about €2,000 a year.

Most banks will pay the legal fees associated with switching too, so you shouldn’t be caught by hidden fees during the process.

If you have switched mortgages, we’d love to hear from you! Tell us how you got on in the comments below.

** Switch Mortgages Here: http://bit.ly/1PyIedo **

bonkers.ie TV Ep.38: 4 Steps to Finding Out if You’re Eligible to Switch Mortgages

Image ** Watch 'Your Guide to Getting a Mortgage in Ireland': http://bit.ly/1qNqC9r **

** Switch Mortgages Here: http://bit.ly/1PyIedo **

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Today I’m going to tell you once and for all what the Central bank’s mortgage lending rules are all about

There isn’t a day that goes by when the Central bank’s controversial mortgage lending rules aren’t debated in the press. The rules have been blamed for pushing the average deposit for a house in Dublin up to €51,000, for pushing an unsustainable number of people into the expensive rental market and for a housing shortage.

But they’re also credited with preventing the Irish property market from overheating.

So, what exactly are these rules?

Well, the rules re-defined the loan-to-income ratios and loan-to-value ratios for borrowers. In simple terms, they set the amount of money you can borrow as it compares to your salary and as it comes to the value of the property you’re buying.

Under the rules, you can now only borrow three and a half times times your income. And if you’re buying with someone, you can borrow three and a half times your combined incomes.

Now let’s look at loan-to-value ratios.

If you’re a first-time buyer you must supply a minimum deposit of 10% for the first €220,000 of the property’s value. And you must supply a deposit 20% 
value of the property that exceeds €220,000.

So, if you’re buying a house worth €200,000, you can borrow 90% of this, so €180,000. And that means a deposit of €20,000 is needed.

If you’re buying a property worth €300,000, you can borrow 90% of the first €220,000 (so €198,000) and 80% of the remaining €80,000, which is €64,000.

So, in total, you could borrow €262,000. And that means a deposit of €38,000.

For non-first-time buyers, a deposit of 20% is needed for all property values.

So there you have it, I hope that helps explain the controversial mortgage lending rules for you. If you have any questions about mortgages, check out our Guide to Getting a Mortgage in Ireland video series, which is linked in the description, or just tweet us at bonkers_ie

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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bonkers.ie TV Ep.34: What Are The Central Bank's Mortgage Lending Rules?

Image ** Compare Savings Accounts Here: http://bit.ly/1XsXApx **

Today I’m going to tell you which banks are offering the best savings returns right now

Interest rates have been tumbling for some time and the ECB’s move to cut rates to 0.00% means that it’s hard to know the smartest place to keep your money these days. So, let take a look at which bank’s are offering the best returns on benchmark one-year term accounts.

KBC Bank comes in first place, with a rate of 1.35%. To get this you must have a current account or switch to open a current account with the bank. You must also lodge a minimum of €3,000 to get this rate.

So, for example, if you put €10,000 away for one year and are happy to not touch it for the duration, you’ll get a return of €135.

If you don’t want to open a current account with KBC, you can still get a 1.10% return over the course of a year.

In second place is Nationwide UK (Ireland). If you have an account with the bank, you can get a 0.90% return. You must lodge a minimum of €3,000 and not touch it for a year. So, if you put €10,000 away for a year, you’ll get €90 upon maturity.

If you don’t have an account with Nationwide UK (Ireland), you can get a return of 0.80%.

The third best savings account available right now comes from Permanent TSB.

You can get a 0.75% return if you have an account with the bank and deposit a minimum of €5,000 for a year.

So, by putting €10,000 away for a year, you’ll get €75 at the end.

Another important thing to note is that deposit interest retention tax now stands at 41%, so that will be taken off any return you earn. To go back to our example of KBC’s 1.35% rate, which is the best currently available, putting €10,000 away for a year will leave you with just €80 in your pocket once tax has been taken off.

The savings options available aren’t great anywhere at the moment, but if you do want to keep your money on deposit with a bank, make sure you’re getting the best return available.

You can switch accounts through bonkers.ie now and if you have any questions, just tweet us at bonkers.ie
 
** Compare Savings Accounts Here: http://bit.ly/1XsXApx **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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bonkers.ie TV Ep. 31: The 3 Best Savings Accounts Available Right Now

Image ** Compare Savings Accounts Here: http://bit.ly/1XsXApx **

Today I’m going to tell you what the European Central Bank’s historic interest rate cut means for borrowers and savers.

Tomorrow, the European Central Bank’s main interest rate will drop from 0.05% to 0.00% a move which has symbolic meaning but will also have an impact on savers and borrowers.

So, what does it mean for borrowers?

If you have a tracker mortgage, you can soon expect to pay a little less in monthly repayments. That’s because tracker mortgages track the ECB’s rate. The cut means you will save around €3 every month for every €100,000 borrowed over 30 years. So, not a major change, but I’m sure there won’t be many complaints.

It’ll be interesting to see if the ECB’s cut will lead to standard variable rates for mortgage borrowers being cut too. Banks have been under pressure from the government to cut standard rates for some time, and they are beginning to edge a bit lower. The ECB’s cut will only increase this pressure on the banks.

But what about savers?

Well, it’s likely savers will see even further cuts in returns that can be earned from savings, which are very, very low already.

Just 5 years ago, you could get nearly 4.0% on a 12-month term account, but the best returns on offer right now are around 1.0%. And these could fall further over the coming months due to the ECB rate cut.

Deposit interest retention tax – that’s the tax on savings returns – has also been increasing over recent years, and now stands at 41%.

This means that the returns to be had by locking your savings away in a bank is lower than ever.

Your options are to switch banks and open a savings account that offers a better return, or consider an alternative home for your savings, be that in an investment fund, a peer to peer lending platform. And there’s always the space under your mattress too.

Thanks for watching, let us know your thoughts in the comments below or by tweeting us at bonkers_ie.

** Compare Savings Accounts Here: http://bit.ly/1XsXApx **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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bonkers.ie TV Ep.30: What Does the ECB's Rate Cut Mean for You?

Image Episode 2 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.

There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.

Leave your follow-up questions in the comments below, or tweet us @bonkers_ie

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** Switch Mortgages Here: http://bit.ly/1SB7ZiJ **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Getting a Mortgage in Ireland Ep 2: Preparing For Your Mortgage Application

Image Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.

There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.

Leave your follow-up questions in the comments below, or tweet us @bonkers_ie

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** Switch Mortgages Here: http://bit.ly/1PyIedo **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Getting a Mortgage in Ireland Ep 1: Are You Eligible for a Mortgage?

Image ** Switch Current Accounts Here: http://bit.ly/1NAMpYp **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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How to Switch Current Accounts with bonkers.ie

Image ** Switch Mortgages Here: http://bit.ly/1OlyVDk **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

----------------

How to Switch Mortgages with bonkers.ie

Image ** Switch Savings Accounts Here: http://bit.ly/1NJLYZI **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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How to Switch Savings Accounts with bonkers.ie

Image ** Compare Current Accounts Here: http://bit.ly/1GVj1wt **

Do you know what you’re paying in banking fees every year? The chances are you’re paying unnecessary fees. I’m going tell you how much your bank is charging you and how you can avoid these fees.

Let’s start with Permanent TSB. The bank charges a €12 quarterly fee, but this can be avoided if you lodge €1,500 every month.

Ulster Bank also charges a €12 quarterly fee, but this is waived if you keep €3,000 on deposit at all times.

AIB charges €4.50 every quarter, as well as transaction fees, which are applied when you use an ATM or cheque for example. But these charges can be avoided if you maintain €2,500 in your account at all times.

KBC has just launched an EXTRA Current Account which allows you to avoid its quarterly fee, which is usually €6, and transaction fees, if you lodge €2,500 every month.

Bank of Ireland charges a €5 quarterly fee, as well as transaction fees. If you keep €3,000 in your account at all times, you’ll avoid the transaction fee but will still have to pay the quarterly fee.

So, Permanent TSB makes it easiest to avoid fees but whatever your bank, if you adhere to its unique rules, you can reduce or eliminate these fees too.

You can compare current accounts by clicking the link in the description below.

Thanks for watching!

** Compare Current Accounts Here: http://bit.ly/1GVj1wt **

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Bonkers.ie TV Ep. 11 - Money: Which Banks Offer Fee-Free Banking?

Image ** Compare Savings Accounts With Bonkers.ie: http://bit.ly/1KlUmeQ ** 

Hello and welcome to another episode of bonkers.ie TV. I’m Mark Whelan and today, we’re going to be talking about savings accounts.

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We recently did a bit of research on what’s been happening in the world of Irish savings, and the results were shocking!

In 2010, customers could get 3.5% on a benchmark 1-year term account was 3.5%. The best rate now available is just 1.15%.

To make matters even worse for savers, DIRT, which is the name of the tax on savings returns, has increased from 25% to 41% in the past 5 years.

The end result is that Irish savers are earning 74% less on their savings that they were in 2010.

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Let’s look at an example. If you had €10,000 on deposit for a year in 2010, you would make out with €262.50 at the end of the year. Now, 10 grand will just get you €67.85 if kept on deposit for a year.

Despite the massive erosion of savings returns, as a nation we have shovelled another €2.5 billion into our savings accounts. There is now €93.7 billion on deposit in Irish accounts. And that’s the highest that figure has been since January 2011.

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Keeping money in a savings account is a traditional way of doing things in Ireland, and many still view it as less risky than investing in stocks or property. But if you are going to keep your money under lock and key in an Irish bank, at least make it count!

Nationwide UK Ireland and KBC are currently offering the best savings returns in the market for a 1-year fixed term account. Pay a visit to our savings accounts comparison page to see if you’re getting the best return that’s currently available.

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Thanks for watching guys. If you have any questions, leave a comment, tweet us and subscribe for more videos like this.

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Bonkers.ie TV Ep. 6 - Money: Which Savings Account Offers the Best Return?

Image ** Bonkers.ie Blog - Budget 2016: http://bit.ly/1K8slYg **

Video Transcription:

Hello and welcome to bonkers.ie TV. I’m Mark Whelan and today we’ll be giving our reaction to the 2016 Budget

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It’s been called ‘The Election Budget’ and ‘The People’s Budget’, the ‘Gievaway Budget’ well how will it really affect you? That’s what I’m going to cover with you today.

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The centrepiece of this budget is the cut in the hated Universal Social Charge. From January 1st, the threshold to pay the Universal Social Charge will be increased by almost €1,000 to €13,000. This means that people who earn less than this amount will now be exempt from the charge.

Those liable to pay will now pay 1% on the first €13,000 – a reduction of half a percent, 3% up to €18,668 and 5.5% from there to €70,044, which is a cut of 1.5%.

These changes bring the marginal tax rate down to below 50% for the first time since 2009.

As Michael Noonan put it, every worker in the country will be one week’s wages better off as a result of this cut.

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Some interesting changes were announced regarding debit at ATM cards.

The €2.50/€5 stamp duty has been abolished and replaced by a 12c ATM withdrawal fee and debit card fees have been completely removed. Also, the limit on contactless payments has been increased from 215 to €30, from October 31st.

This is a big step towards a cashless Irish society.

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Some interesting other changes are a 50c cent increase on the price of a packet of cigarettes and a 50c increase in the minimum wage, up to €9.15. So, smokers on the minimum wage will have an ‘easy come easy go’ attitude here!

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There is good news for pensioners too, who will now get an extra €3 a week in their weekly payment, and extra €2,50 a week in fuel allowance and a 75% increase in the Christmas bonus

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We’re also interested in the fact that DIRT has not been changes at all. This savings tax has played a big part in the erosion of savings returns over the past few years and now stands at 41%,

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As with any budget, there will be mixed reaction a days of debate ahead. Let us know your thoughts by commenting below or tweeting us @bonkers_ie and, of course, SUBSCRIBE!

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Bonkers.ie - Compare, Switch, Save!

As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.

bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & Home Phone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.

Check our Website: http://bit.ly/1S3UtSk

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Bonkers.ie TV Ep. 5 - Money: What the 2016 Budget Means for You