AIB Joint Mortage Switch - Primary Residence Question

[Daveo2019]

I have 2 joint mortgages, one with my brother, one with my girlfriend.

Mortgage A, AIB €225k outstanding balance, 1.1% tracker rate, approx 54% LTV, 19 years remaining, receiving mortgage interest relief
Mortgage B, KBC €280 outstanding balance, 3.5% standard var rate, approx 68% LTV, 28 years remaining

I would like to move Mortgage B to AIB 2.95% standard variable rate and €2k cashback offer.
As mortgage A is no longer my primary residence,
Will AIB consider we are in violation of the terms of Mortgage A or is it sufficient that my brother is resident there ?

 

[Coldwarrior]

Why not switch to a different bank? Don't think I'd take the risk of losing a 1.1% tracker and going to a BTL rate (>5%)

 

[Brendan Burgess]

Mortgage B, KBC €280 outstanding balance, 3.5% standard var rate, approx 68% LTV, 28 years remaining

Why don't you move initially to KBC at 3.05% with your current account discount?

Or 2.5% fixed for one year? Or 2.65% fixed for 5 years?

Brendan