We have been offered a 5 year fixed rate of 4.35% with EBS. I see that AIB is offering the same at 4.25%. Does anyone know/have experience of negotiating the rate with banks. We are in the process of buying and for many reasons don't want to delay closing - applying from scratch to AIB would cause delays so would like to ask EBS to match their rate before we sign anything - grateful for any advice on this