@offalydub
In usual circumstances , I don't think that BoI pay much attention to the review. So if you want to keep your warehouse until the end, you probably can.
If you pay the €50k off, they will probably set it against the active part.
But that is more likely to trigger an active review where they move €50k or more to the active part.
AIB gives a discount for clearing the warehouse, but BoI does not.
People should do their own review. if you pay €50k capital off the €170k mortgage, would you be able to meet the full repayments on €120k active?
If so, it might be worth doing to start cleaning your credit record.
Brendan