Thanks for your thoughts,
When we applied to BoI (about 5 months ago) they were more competitive than AIB, and now its the other way around. This just goes to show I guess that it's a mugs game wondering which lender will be more competitive in the long run.
JAS376 we're switching, with a LTV of 40% and both have saving's a/cs with BoI for 25 years (not a whole pile of saving in them mind you). We're also topping up for home improvements. They had agreed in principle ages ago, but then decided they wanted builders quotes before they'd approve the top up, which dragged things out.
IL&P are offering 3.7% 5 year fixed, which is very competitive, but at this stage I think we'll go with the bird in the hand.
Thanks for the tip ASIF I'll definitely check that out.
All the best