WorstPigeon
Registered User
- Messages
- 89
Has anyone successfully convinced AIB to let them move between LTV bands? I took out an AIB mortgage last year with an LTV of about 83%, so paying 3.5%. Via overpayment, I'm now below 80% (assuming that house prices haven't dropped since this time last year, which they don't seem to have). I could just switch to KBC for 3.1%, but I don't really trust KBC. My understanding is that AIB don't allow switching between LTV bands. Is this an absolute? In theory I could switch to another bank and then back to AIB, getting the LTV change and the cashback offers, but this seems like a huge waste of time and money for all involved.