Our break fee with BOI is €1000 and the balance left with BOI is €86148. Credit union comes in at €1214 a month for 6.5yrs. Our repaymayments with BOI are €1270 so not worth changing really. Our trs is €9 a month.
Also 2.99 is not fixed but the rate over 10urs we have been told will not go above that but may come down. Thanks
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