Reading the thread, can I just ask this question, I only took up a mortgage in November with ptsb on the tracker rate of 5.1%. At the time they offered the best interest rate for a first time buyer with 100% mortgage. The question is could changing of mortgage provider for a better rate be an option at this stage. I am just curious, the amount is €197k over 34years.
You could try but you might be limited by the 100% mortgage. Not many banks are doing them anymore