BOI possible switch

Hi,
I’m currently locked into a 10yr fixed 3.9% with BOI. They initially quoted me €5k breakage fee in December to move to a 5yr fixed rate of 2.9%, the latest breakage cost in January now €7k. Breakage fees have spirraled. I got a realage quote in November for 3 yr fixed of 1500 but opted to change to 5. In 2 weeks the breakage fee changed as indicated above
 
What is the outstanding balance and date you fixed the mortgage for? This is relevant for calculating whether it is worth paying the breakage fee.

Out of curiosity, what are the values for R% and R1% they are quoting you in written correspondence on the breakage fee?
 
So I called them just there (BOI) and they are quoting €39 to break out of the 3% rate up in September.

Said they could give me a 2.9% rate. I was asking about the 2.8 and they said 2.9 is the lowest.

Does anybody know if it’s possible to get the Ulsterbank 2.3 rate? I owe €130000 and house is worth €250000?
 
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