So, assuming that you are comfortable with the repayments and don't feel the need to fix, you are probably looking for the best value tracker for a c. < 60% loan to value (LTV) ratio? Check tomorrow's Irish Times property supplement rate table for example concentrating on the APR and cost per thousand figures. If you are comfortable with the repayments then you might also consider mortgaging for less than what remains of the 30 year term since this will probably save you significant amounts in interest. See Karl Jeacle's mortgage calculator.