With only €130k , 2% is €2,600 , so the €3,000 from KBC looks like the best option.
Their mortgage rate is 2.5% for one or two year fixed.
Second best is probably Ulster Bank - €1,500 cash back and 2.3% fixed for 2 years.
So apply for mortgage approval to both and maybe to AIB for good measure. AIB has been the best for low variable rates which they pass on automatically to existing customers. So they might be the best long-term bet as you won't gain much from switching a second time.
It's possible that one of these might change their rates before you do the actual switch, so by applying to all three you keep your options open.
Brendan
@Niall-1980
You open current account at the same time to get 0.2% discount.
Yes.Red can you open their current account extra to receive that extra 0.2%
@Niall-1980
If you go KBC, I'd go for their 5 year rate. No point going to KBC unless you move current account as well, you'd save 200 interest in first year.
Credit card doesn't really matter - find best rate if you ever leave balance in it. Its a bit of a pain to avoid paying stamp duty twice when you switch!
@Niall-1980
If you go KBC, I'd go for their 5 year rate. No point going to KBC unless you move current account as well, you'd save 200 interest in first year.
Credit card doesn't really matter - find best rate if you ever leave balance in it. Its a bit of a pain to avoid paying stamp duty twice when you switch!