By my calculations, you would save €3,675 in interest payments if you switched to KBC (assuming the difference in interest rates remains constant over the 12 years).
Hi abbey
Here's a thread on KBC's redraw facility:
http://www.askaboutmoney.com/thread...ents-another-reason-to-switch-to-them.194940/
You could move to 3.5% with Ulster Bank and they would pay you €1,500 to make the move, which should comfortably cover your switching costs. You could move to 3.35% with AIB but you would have to cover your own costs. There's not really a lot in it either way.
..The only lenders to whom abbey should consider switching are AIB and Ulster Bank who pass on rate cuts to existing customers.
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