I'm in a similar boat at the moment. AIB, EBS, BOI and Ulster bank have said they'd give us a mortgage. we ruled out Ulster bank immediately due to their interest rates. BOI deinfitely have the lowest rates at the moment, but AIB and EBS are not much higher. I think we are leaning towards EBS since they offered us the highest amount. I'm not sure if any of these are historically better with rates. From dealing with EBS I have found them excellent in the past, which is probably influencing my decision too.