Long term rates in Ireland are about the average in Europe. And whilst short term rates and variable rates are cheaper, the costs for the banks are cheaper too (especially repossession), so chances of banks here using those margins are zero.Thank you - we do have all of those things (balance terms and rate) so I’m inclined to fix if we can. Totally take your point on the long term fixed I guess my only concern is that irelands rates might become more like the rest of Europe and we would miss out but for the comfort of knowing what the rate will be for majority of rest of term I think it’s worth it
For 15-20 year rates Germany is over 3% France is just under 3%, Portugal is 2.6%