An Update
Just to update this post....
I finally got off my backside and moved my mortgage to AIB. It was a bit of hassle, some of it caused by me, most of it caused by a crap solicitor.
Despite the hassle - it is worth it ! It took about 13 weeks from start to finish. The crap solicitor caused about 5 weeks of delays.
Interestingly, a slick guy from PTSB mortgages rang me a few days ago (same guy as mentioned above?) saying that he noticed we were moving. The conversation went something like this...
PTSB Guy: I see you are moving your mortgage. Why is this ?
Me: Your rate is 4.8%, AIB are giving me 4.6%
PTSB Guy: (I can hear him typing on his computer) That roughly works out at €25 per month. It's hardly worth the hassle is it ?
Me: <stunned silence> It's better in my pocket than yours !
Anyway - its all done and dusted now. I'm glad I did it and am trying to convince anyone who will listen to do the same!!