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This will be great news to big banks who are carrying loss making ECB trackers for over a decade now. It might not effect retail rates as much as we think. Competition is there.

Thanks for the reply. It probably will be this time next year before I apply for retirement. I have another 18 months of critical illness left. Our mortgage is due to come off fixed rate at the same time. I am disgusted that BOI don't offer their best rates to existing customers and wish to...

I'll keep it simple. Wife is working full time with same comany for 8 years. Has a good salary + bonus. I am a public sector worker with 16 year services, but will have to retire on ill health grounds. No other option unfortunately and I love my job. I am only 46. My illness is not life...

Are these rates available to existing customers who are coming to the end of a fixed rate with BOI?

I doubt it. Maybe 30th June might be the last day though. ;)

Just off the phone and they told me that there is no charge for breaking out of an 'introductory fixed rate'. I took out a 3-year fixed new business mortgage with them last May, 2017. Waiting for written confirmation though.

Hi, Bank of Ireland 3% 5 year fixed with 2% cashback upfront and another 1% in five years is a good deal I think. Also Ulster Bank 4-year fixed at 2.6% with €1,500 towards legal fees is a good option. If you want longer term then KBC have good rates for 10 year fixed (if you have a current...

Hi, as most banks use this data to calculate break costs on a fixed rate mortgage is there anywhere I can access historical data for swap rates?? I intend to break out of a 3-year fixed rate with Ptsb soon. Any link to the info or assistance would be appreciated.

Any impediment to switching irregardless of it is to benefit from cash back or better rates undermines competition. If it becomes the norm to have a 24 month requirement to be with a particular lender in order to get approval with another then is is anti consumer and prohibits a competitive...

Has anyone got this confirmed? If banks do this surely it is another PR disaster for them. The governments emphasis has been on promoting switching so any move like this, apart from being unethical and perhaps illegal, is surely going to be dealt with by the authorities.

Some on €18,000 p.a. getting €30 per year net whilst someone on job seekers benefit getting €5/week. Would sicken me if i was in that group of low earners.