Bank | Principal | Interest Rate Saving | Cashback | 1st Year Savings (before break fee and legal fees) |
Avant | 260,000 | 2.6-2.1 = 0.5 | 1300 | |
KBC | 260,000 | 2.6-2.3 = 0.3 | 3000 | 3780 |
there's also the cost of switching for a second time to consider.
Is this the case with AIB on fixed rates? Where did you see this?Currently, overpayments with AIB are free and unlimited
Is this the case with AIB on fixed rates? Where did you see this?
You could switch to AIB 5Y fix @2.15% for free (€2k switching contribution).
Saving Year 1: €260k * (2.6%-2.15%) = 1170 and free overpayments (https://www.askaboutmoney.com/threads/overpayment-flexibility-of-aibs-5yr-fixed-rate.222401/)
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