Last edited: 13 Apr 2019 at 4:21 PM I am currently with AIB 3.15 variable 234,000 left outstanding. I have handed all my paperwork into EBS and was going to swtich to them for 5 years at 3.0% with 2% cashback, then an extra 1% after the 5 years. (I wanted to fix for a while, but AIBs rates were poor and the cash back clinched it for me) My solicitor just wrote to me saying that they have recieved the title deeds from AIB and are awaiting my Letter of Loan Offer from EBS. Then I find out yesterday AIB are lowering their fixed rates to 2.85%. I'm pretty poor at maths, could some one work out for me please is it still worth going through with the switch? Or should I fix with AIB? Also, is my solicitor likely to charge me anything significant? I've only recieved 2 letters from him. Thanks in advance.