Hi, I am looking for some advice on whether or not to switch mortgage provider. I bought my house for €150,000 in February 2014. I borrowed 92% over 32 years. So a mortgage of €138,000. I am on variable rate with AIB which has dropped twice, maybe 3 times in the 5 years to now to 3.15%. My current capital is roughly 126k and current house value is €245k which means my LTV has dropped to between 50 and 60% I contacted AIB about switching to a lower LTV band rate but that is against the terms and conditions of my mortgage to switch rates. I think this is pretty unfair. I appreciate that I am very lucky to have bought when I did, but I would still like to get a better deal from banks if it's possible. The snag is, when I first got the mortgage both myself and my wife we're employed and jointly assesed for income and repayment capacity. Now I am the sole earner and we have had a child and therefore a lower household income. Will this go against me if I try switching lender for a lower LTV rate? Or will they just look at my repayment history. I have never once missed a repayment. Any advice is welcome, I'm at a bit of a loss of how to go about it or whether to leave it be. What are the best options out there?