Coming to the end of a fixed rate period with BoI

Zane99

Registered User
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24
Not sure what to do with my mortgage. I am coming to the end of a two year fixed rate of 3.6% with BOI. I have a LTV between 50-60%.

I might fix at 3.2% for one year with them instead of the two year fixed rate of 3% incase the rates fall.

I guess I could ask them before I fix how much it would be to break out of the one year fixed rate?
 
Balance owed is €134,438. I have 30 years left on mortgage.I bought in March 2012 and the house is now worth roughly €230,000.

Also took a three month payment break this year. August payment will be the last one on the fixed rate. Also my monthly payment has gone up to include the three month break. I was paying €606.66. The new payment is €613.90

Just looking for advice which is much appreciated.
 
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