I currently have a mortgage with the EBS and want to fix it for 3 years but the rate that I’m being offered is 5.2%. I have seen that KBC are offering a 3 year fixed rate of 3.9% for new customers. Assuming that I tick all the necessary boxes, like not in negative equity and that I need less than 80% of my houses value, are there any other things I should look out for? Roughly what would it cost to make the move?