Try ICS they match Avant in the 3&5 year fixed rate markets and I don't believe that have the same geographic criteria.I might fix for 5, 10 or longer if possible. But should I just fix with UB ( 5 year 2.35, 10 year 2.8) or is it worth switching?
Based on the information provided a 5- year fixed rate mortgage with ICS would save you about €2,656 when compared to the Ulster equivalent. Thats not including in the cost of switching (mostly solicitors fees). The cost of switching should be a lot less than that i.e., you'll be better off switching.