Hi,
Just back from Mortgage broker, the KBC mortgage fixed rate for 3 years is 3.9%, and the AIB rate for 3 years fixed is 3.89%. The broker told me about an option that KCB gives you called a Redraw.
If you have extra savings you can put it into the mortgage, and the principal of the mortgage is reduced. You can at any time take out this savings sum. It sounds like a good option as any savings in the banks are not earning much money that is left on deposit at the moment.
But as I said in my first post I am a newbie at this mortgage game, so please feel free to share your views with me on this topic.
MM/