Advice on switching with previous debts on ICB report

[eyesgreen_1]

I completed a PIA process and was discharged in 2016. (Main debt was buy to let morgage of around 180,000). My ICB report shows this morgage with a marking of "C" for completed. This debt is scheduled to be removed from my report in 2021. Also had a credit card debt of €4500 but this was removed from my report in Aug 2018. Report also shows my own home morgage with all payments up to date. So just wondering what people's thoughts are on how banks would view my ICB report in regard to switching my mortgage.

Home morgage: BOI €59,000
Property Value: €135,000
LTV: Around 44%
Morgage Term: 14 years
Interest rate: 3% (fixed in 2017 for 3 years)
Repayments: €452

Initially going to ring BOI to ask them to reduce my rate and to enquire of breakage fee. Any advice or thoughts on switching would be much appreciated.

 

[eyesgreen_1]

Update: I rang BOI, they quoted a breakage fee of €31 on day I rang. They rang back the next day and have offered 2.9% interest rate. Still think I should push for the 2.8%. Not sure if such a small mortgage amount matters to them or wether they will still not want to lose the business and meet me at 2.8%.Any thoughts?...