Hi can someone please advise me. I am buying a house for my Mam whose own house was repossessed last August. I am mortgage approved with Finance Ireland - (150,000 equity release in my own home over 16 years) , and (150,000 buy to let mortgage over 24 years). Current rates with Finance Ireland are enormous. 5.5% on the equity release, and 5.84 on the buy to let. I have a deposit on a house and have no option but to go ahead as my Mam needs somewhere to live. I approached BOI and PTSB and they won’t release equity in my own home to buy another house. My question is if I don’t fix with Finance Ireland, can I switch the equity release loan after 12 months? Is it treated as a regular mortgage? BOI said that the normal rules did not apply to switching equity release loans?? If I know I can switch in 12 months and I won’t be tied to Finance Ireland forever I’ll feel a bit better about going ahead. Thank you