Switching from PTSB


Frequent Poster

We have a 30 yr mortgage with PTSB (1.5 yrs into it), balance of mortgage is €203k, currently on a 3 yr fixed rate of 3.4%. House value approx €320k, so LTV of 63%
Contacted PTSB and they have advised there is currently no breakout charge to leave the fixed rate.
However we have taken a CU loan since securing our mortgage (approx 18k) so would this scupper our chances of securing a switch or would we still be considered as we have a good LTV on the property?