Hi - just an FYI. Our PPR mortgage is with BOI @ 4.5%. I contacted them to say I had been in contact with KBC and had approval in principle to move to 3.9% plus offer of legal fees and home insurance plus another 0.2% if I moved my current a/c. They got back to me within a week to offer me 3.9% on SVR - we accepted and are now on that rate. Thought people should know. I also asked them to confirm that any further reductions to the SVR would be applied to our rate, which they confirmed.