Last year I remortgaged my house to purchase a French holiday home. Total mortgage on my home property is just under 60% LTV. I took the AIB one year introductory fixed at, I think, 2.8% as this would beat the tracker for that first year.
Now that the year is nearly up, I have to decide on what mortgage to go for - I'm guessing I will just go to AIB's tracker (rate for under 60% LTV) as I don't really have the stomach for moving institution. But as I and Mrs Podgerodge will be getting the full SSIA (circa 42k) next year the idea of an offset mortgage is interesting - such as PTSB - given that we don't have any immediate plans for the use of the money (and we don't want to just pay 42k off the mortgage).
Any advice appreciated.