then switch to BOI, then switch to KBC, then switch to UB - switching based on duration they require with previous lender, need to be 24 months for PTSB to consider I believe. Main thing is, keep switching. Penalty from breaking out of 1 year fixed is low to nothing in current market.
And pay off any cashback you get back onto mortgage. (warning, crude figures to follow) for example paying 5,000Eur off fixed mortgage could have penalty of between 0-5Eur, but start saving you extra 10Eur every month
Main thing is, keep switching.