Hi Polka Dot
The break fee on a fixed rate mortgage with a year to go should not be that much.
If you were going to trade up in the next 6 months, I would recommend going for a variable rate.
But if it's just an idea, then go for the 3 year fixed rate. AIB has two ways of calculating the break fee, so they are more likely to be the lowest break fee.
So taking all into consideration, fix with AIB for three years.
And when you first start thinking of moving which will probably be 6 months before you actually move, get a quote for the break fee. It might actually be zero and so might be worth going for.
Brendan