Well done - that's an incredibly quick timeframe.Hi Talbot,
FYI
I switched 3 times in 5 months - EBS-PTSB PTSB-KBC - KBC-AIB.
Its a bit of work but totally worth it
And did you pay a solicitor for each switch?
BOI variable rate would be 4.5% for me. About 250 quid extra per month when compared to their fixed rates of 3%. Considering i'd be with BOI for at least a couple of months, that's €500+. Would the fees to break the mortgage be more or less than 500? Can't banks "only charge a penalty based on what they would earn from keeping the mortgage funds on deposit"?No point fixing if you're going to switch. It could cost you money. If I were you I'd tell them you will fix at some point after switching as you're still deciding best term. Then hop to next bank
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