I’m juggling savings and debt; what’s the best approach to buying my first car?
Important to consider the cost of your debt compared to the benefit of saving in terms of interest rates
Interest Rates
Current account use cost Irish households €800m in lost interest
Almost 90% of deposits are in `overnight’ accounts compared to 55% in euro area
PTSB becomes latest lender to cut rates on savings
Firm follows AIB and Bank of Ireland with reduction
Bank of England keeps rates on hold at 4.5%
Rate-setters are grappling with combination of sluggish economy and ongoing price pressures
Headline inflation eases to 1.8% in February
Prices in restaurants and hotels rose by 3.1 per cent mainly due to higher prices for alcoholic drinks and food consumed in licensed premises
Government urged to address ‘disproportionately poor’ savings rates for Irish consumers
Central Bank data show that up to €140 billion of Irish deposits still resides in overnight deposit accounts, accruing just 0.13 per cent in interest
About 7,000 homeowners are paying mortgage interest of 8.5% to 10% – Central Bank
Most are customers of non-bank lenders, but are unable to switch to cheaper bank finance, says an Oireachtas report
Mortgage holders and household finances - the ECB rate cut is good news. Right?
In a predictable world, the ECB is likely to keep slashing rates but right now nothing is predictable
Lagarde hints at April pause amid threat of trade war
European Central Bank makes sixth cut to interest rates sine last July, bringing its main deposit rate down to 2.5%
ECB to cut interest rates even as trade wars, defence cloud the outlook
Thursday’s cut likely to be last straightforward rates decision for sometime
LGIM warns on hit to growth if Trump follows through on tariffs threat
Legal & General Investment Managers sees ECB rate cuts continuing for now
Are there tax issues if we lend to our daughter to buy us out of shared home?
Loans within families can offer better value to the borrower than going to the banks but make sure you follow the rules
If Trump messes with the Fed, a serious US economic crisis will follow
Attempts to force the Federal Reserve’s hand would likely see cost of US borrowings surge
New homes agents’ outlook on 2025 as market ‘remains under pressure’
Property professionals give their views on demand, Government schemes and housing completions
Top ECB official calls for debate on ‘halt’ to rate cuts
Remarks are the strongest hint yet that central bank hawks will soon resist lowering borrowing costs
Buying a new home in Ireland: How much you need, the current low rates and Government help
Falling interest rates and Government incentives can offer some relief to first-time buyers
Inflation may curb Trump’s tariff plans
Rising consumer prices will limit scope for interest rate cuts and undermine election commitment
Bank of England delivers hawkish warning on inflation as it cuts interest rates
Bank warns that inflation will rise 'quite sharply' to peak at 3.7% later this year
Makhlouf sees ‘worrying signs’ in European economy after latest rate cut
Central Bank governor favours no longer describing monetary policy as ‘restrictive’ at next meeting to decide on interest rates
Savers favour term savings accounts in 2024 to avail of high rates
Household savings in low interest demand deposit accounts declined by €962m in the year, Central Bank reports
From Princess Diana to Dunnes Stores, the fashion legend who started out wanting to be the Irish Ralph Lauren
The best news, analysis and comment from The Irish Times business desk
What does the ECB rate cut mean for borrowers and savers?
Q&A: It is very good news for those on tracker mortgages
ECB cuts interest rates again as focus shifts to Europe’s ailing economy
Central bank’s policymakers lower deposit rate to 2.75 per cent from 3 per cent, giving tracker mortgage holders here an instant boost
ECB set to cut rates again as Trump tariffs cloud outlook
Frankfurt policymakers expected to cut interest rates by another 25 basis points to 2.75 per cent on Thursday
Couple claim Pepper should not charge more than PTSB for loan acquired from bank
Cork couple agree to mediation in case where they say 8.5% home mortgage interest rate charged by Pepper is ‘excessive’
Irish savers placing less cash in high-rate deposit accounts
Almost 87% of Irish household savings held in on-demand or current accounts earning average of 0.14%
The Irish Times view on falling interest rates: welcome for borrowers, but not for the economy
Further rate cuts risk adding fuel to demand in an already-inflated housing market , where what is required is lower prices, not higher ones
ECB’s Philip Lane warns of too low inflation if interest rates stay high
Chief economist points to dangers of borrowing costs that remain ‘too high for too long’
Mixed year for Irish banks amid falling rates, increasing competition and UK car finance review
AIB leads the three main lenders yet clouds may be on the horizon
Central Bank governor favours gradual ECB rate cuts over ‘large moves’
Gabriel Makhlouf says disinflation process remains on track while warning economic outlook remains uncertain
Thousands of Irish mortgage holders likely to see dramatic fall in repayments over next year
European Central Bank on course to cut rates to 1.75 per cent next year
Some mortgage holders to benefit by €2,000 a year after four ECB rate cuts
Latest cut from eurozone’s central bank will put pressure on banks to lower variable and fixed rates
Mortgage rates fall again but gap with euro zone average widens - Central Bank
Little change in savings rates, monthly survey shows, while rates on non-mortgage borrowing jumped
Investment: Falling debt costs will drive recovery in 2025
Improving debt liquidity, the stabilisation of yields and a narrowing of the bid-ask spread will lead to more activity
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