I have begun the process of switching mortgages from ICS to Haven through a broker today. The broker said that Haven should be releasing their new rates within a week or 2. I am currently on 3.35% but looking to move to a new LTV <50% with Haven which will hopefully be 2.75% equivalent to AIB. Anyway when I rang ICS yesterday for a balance they asked why I was looking for it and I disclosed to them I was think of moving to AIB 2.75. So they came to me today with an offer of 3.19%. It might be worth peoples time ringing their banks and at least threatening to move. Note we also have a 2nd property in negative equity but not by as much as 12 months ago thank god.