Thanks guys appreciate the info..
The reality is PTSB gave me the highest loan offer with an exception so I could avail of the help to buy scheme nobody else was coming close so it was a no brainer, 15k rebate and 4500 cash back. Yes I will switch asap but not many banks will take me on with minumum stays from Ebs @12 months, UB 6 months BOI 12 months for good cashback deals.
So my question still stands which of the two options given would u guys go for?
Thanks