We recently switched (as existing customers of KBC ) from 3.6% fixed to 2.9% with no break fund fee. Zero fuss and will roll on to new customer rates after this fixed period. Pleasure to deal with them too.
Thanks! At the time we fixed the KBC 3.6% was the best on the market. We only fixed as we needed certainty for a few years. When we saw that new customers were getting new rates, we called up and asked. The guy straight away told us we could probably get 2.9% with no break fund fee. I was a bit dubious as we had 18 months+ left and I had calculated the fee at around €1,600.
The form was a 2-pager, required very little info. Sent it back, got a phone call the following week to confirm rate and that there was no fee, then 1 week later we made payment at new rate. We didn't really believe it until it came out of the account!