Which Lender to choose?

Hi,

I am mortgage approved in principle with BoI, AIB, Ulster Bank and PTSB.

Leaving aside the rates charged is there any other reasons I would choose one over the other?

I am thinking PTSB have a history of upping variable rates and I even see BOI now selling some of their mortgage books to unregulated entities?

Do any of those banks have a good history of not upping rates outside of ECB rate increases?

Thanks

Probably stay with Ptsb or Aib.
. We own them and there would be war if they just bump rates.

Boi is not owned by us and will want to maximize profits off you as quickly as possible.

Ulster , not sure about them , they may stay , they may go, they maybe sold;
in short avoid for now.

It has been interesting with the different banks actually.

PTSB: Straight in to meet branch manager, approved in principle there and then.

Ulster Bank: Very good getting back to me and following up. Approved after first meeting. Also offer a 0.1% discount for salaries over 100k which is something I had never heard of before even though 0.1% isn't exactly a big discount.

AIB: Dragged on for about 6 weeks, dealing with multiple different people and just approved at last.

BoI: Good on phone but a bit all over the place in terms of getting approval but got it eventually.

And for them all you need loads of documentation and evidence of and ability to save seems to be the key thing for them all.