I have a Split Mortgage would I get another Mortgage


New Member
Hi all, if anyone has any experience of below

We are currently on a split mortgage with ptsb. Total mortgage 308k.
Main mortgage 148k 4.6%
Warehoused 160k 0%
House valued 290k/300k
We have never been in arrears and always engaged with the bank.
My question is would ptsb do a deal if we had a lump sum to pay off our mortgage? Ie. We pay a lump sum and they write some off and give us a better rate?
If so would we be better off going through a PIA?
If anyone could recommend one in Dublin/ North Kildare area.
Would another bank look at giving us another mortgage with a significant deposit?
Any advice greatly appappreciated