Hi I've kept an eye on all the posts but would like to get your opinion. I've been with AIB, switched to BOI then EBS for the cash backs (fixed 1 yr on both) and now think ulster is the next right move. We want to do a big renovation to our house this time next year so thinking Ulster for the low rate and a bit of longer term stability if we go with the 4 yr fixed. Renovation will require a top up but all within CBI limits. Having switched so much the past few years I'm a little nervous to lock in for 4 yrs. Any advice or any thing I should also think of? Thanks!