Hi,
I contacted PTSB regarding breaking my fixed rate of 4.85 (1 year left). There would be no penalties and they offered us a variable of 4.65. On the current mortgage we have it would save around 50 Euros thereabouts. I got back to them and asked what would happen if we stayed in the fixed rate till the end - would we go back onto a tracker, but I haven't heard back yet. If that was the case I'd be tempted to sit it out, so I'll wait and see to hear back from them.