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The cashback is due to you once you drawdown, you can switch straight away and still entitled to cash back

Thanks to you Sean Og I also switched 3 times last year and dropped my rate from 3.95% to 2.6%. Small bit of hassle but its free money. Went from BOI-PTSB-EBS-Ulster Bank I generally switched before the money landed too. I still have PTSB sending letters every week looking for my life assurance...

The breakage was around €2800. I picked 5 years because at the time in 2015 I thought rates would increase and I was comfortable with what I was paying back

The banks are making plenty of money on the back of people not switching and are making huge margins on their mortgages compared to the rest of the EU. If there more people switching and if the banks could enforce their security on the mortgages(another story alltogether) then we possibly could...

Just finished switching three times in 10 weeks and I would like to thank this forum for the initial advice. Originally with BOI on 5 year fixed from 2015 and got the cashback Broke out of this to move to PTSB €5k cashback PTSB to EBS another €5k cashback EBS to Ulster and got €1500 cashback...