@Kiwigirl Does your mortgage have a warehoused portion (a portion where you are not paying any interest at all for the moment)? If it does, it is unlikely that you will be able to switch, unfortunately.
You mentioned that you were on interest only with PTSB for a time. When was your mortgage sold to Pepper?
Moderator's note: If your mortgage is with Pepper, you do not have the option of fixing your rate (unless you switch to another lender and give up your tracker). However, in December 2022 Pepper said that it would allow some of its customers to fix their monthly repayments. (This is not the...
www.askaboutmoney.com
I have also heard good things about
Doddl.ie
@Kiwigirl You should be aware that some brokers are terrible and some brokers only have access to a handful of lenders. For example, very few brokers have access to Avant, but Avant have some of the best rates. (Doddl have access to Avant.)
And AIB may have some of the best rates by the time you complete the switch, but they don't work with brokers, so you would need to apply directly to them.
Here are the current rates across the different lenders. Follow the instructions in that thread to figure out which table to look at. You will then have a good idea of the rates that your broker should be offering you.
While I wrote the original post on this, Paul F has edited it and made it far easier to read and has kept it updated. Brendan You (or your broker) should apply to two or three of the cheapest lenders simultaneously. It might take some time for your loan offer to materialise, and today's Best...
www.askaboutmoney.com
You need a broker who is efficient, who has access to multiple lenders and
who is prepared to apply to more than one lender at the same time (because rates could go up at any time during the process). If your current broker does not meet those requirements, you should consider ditching them – provided you can do so without having to pay a fee.