u/Conscious-Ant2659

We’re signing contracts for our new home next week after putting most of our savings toward the deposit and fees.

By move in, we’ll likely have very little left (maybe less than €5k) for flooring, appliances, furniture, blinds....etc

Our mortgage is with AIB, so cashback isn't an option, neither is family gifting.

We're just Looking for realistic advice from anyone who’s been in a similar position , what funding or financing options worked for you?

Should we reconsider this whole purchase?

For anyone who’s gone with the cashback option:

How much cashback did AIB offer you?

Did you feel it was worth it overall?

How much did it increase your repayments/total cost over time?

Any regrets or things to watch out for?

Trying to decide whether taking cashback upfront is a good idea (especially that we won't have much savings for flooring, kitchen,appliances, furniture...etc)

Or if a lower rate mortgage works out better long term. Thanks!