At present I have a tracker mortgage from AIB <60% at 3.96 + i'm paying a 100 extra a month of the capital but not sure if NIB's off set mortgage is a better way to reduce interest paid.
i think the offset mortgage is really only the best option if the you have a large amount of savings that you can offset against your debt.
Also might be better to sit thight for now there is rumours that NIB are going to announce a new tracker rate that is ECB rate + .6%. check out the article below for more info - no mention of it on there website