My spouse is discharged from bankruptcy in the last year, moving from EBS 3.16% variable, got out of negative equity 3 years ago on first home, negotiated my current rate with new mortgage/house move 3 years ago, cashback wasn't on offer then
PTSB were the only bank that would accept. Bit of a gamble on the long term as will probably be stuck with PTSB, but will be approx 140Eur a month better off (inital cashback + monthly 2% cashback) ...