Looks like EBS are reversing the decision on dropping their 5-year fixed:
http://www.independent.ie/business/...ion-is-easing-in-home-loan-market-705088.html
http://www.independent.ie/business/...ion-is-easing-in-home-loan-market-705088.html
They are still listing 5 and 10 year fixed rates [broken link removed].
Is the rate of 5.14% an APR or a nominal rate (the former is more meaningful when comparing loans)? Are you sure that this rate still stands and is not affected by the recent ECB rate increase and any changes to rate outlook?