I did last year and they wanted 10k so said we'd just leave it! The time we fixed the bank were borrowing money at much higher rates!Have you tried to contact ESB and request a breakage fee?
Yes, 100% shop around to all banks. With E108K outstanding its not really much of a difference of 2% cashback vs E2000 from AIB. KBC would give you E3000 cashback.My question is is there anything else I need to factor in? Should I shop around to other banks? Any advice would be appreciated!
Are you sure about that? I thought that they only offer free fees if you have a mortgage with them? Perhaps you have a legacy account?with free bank fees for life at the moment
Be careful about letting your mortgage balance drop too low.
Unless the goal is to pay it off
I have started the process of switching from PTSB 4.5% LTV to AIB 2.95% LTV. You could switch to a lower fixed rate for a year or two and avail of the switcher money and then switch to the lowest LTV and start overpaying. I have 125k left to pay and hoping to clear it in 5 years with the AIB overpayments option.
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