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Returned emigrant and built shortly before the crash!

Checked with Pepper who offered 3 and 5 yr fixed at 3.2 and 3.45 respectively. Their variable is 3.25 for our LTV. In addition, went back to BoI re lower 10 yr but they won't budge from 3.2 for 10 yr. PTSB seem best option. Thanks for input. Just curious Bronte, when the house is security...

Thanks Red. Balance is 311.5k so yes cash back easily covers fees and breakout. Still tempted towards lower monthly payments although 2nd cash back monthly should bring payments close. Must check that this applies for 10 years if we fix for that term. In addition, I might go back to BoI...

Yes, that is correct. 2.95% x 10 yrs. However, we maybe in a position to make a moderate lump sum payment in 5 yrs to reduce the principle - would something like that incur a breakage fee? I understand from this forum that PTSB can be difficult to deal with and can have substantial...

we started this exercise to reduce our monthly payment and get a little cash back. Our age is a factor where because we both turned 60 recently KBC,EBS and AIB will only give us a 5 year contract. Our current mortgage is with BoI with a current term of 10 years and 7 months with a 3 year fixed...