we started this exercise to reduce our monthly payment and get a little cash back. Our age is a factor where because we both turned 60 recently KBC,EBS and AIB will only give us a 5 year contract. Our current mortgage is with BoI with a current term of 10 years and 7 months with a 3 year fixed rate of 3.6%. that ends in mid Dec of this year. Current buy out is Euro 336. PTSB have offered us 2.95% over exactly 10 years with 2% cash back at signing and 2% cash back monthly for fixed term when fixing for 1,2,3,5 and 10 years. On foot of PTSB offer, BoI have now offered us 2.8% over 1,2,3, or 5 yrs for the same term of 10 years and 7 months. Any advice is welcome.