KBC are offering:
3.30% variable on a 80% LTV.
No cash sign on bonus.
Mandatory to open a current account but fees are avoidable if you deposit 2,500 EUR into a Flex account.
Rate decreases not passed on after you sign on. i.e. Existing customers are not given access to the best rates.
Ulster Bank are offering:
3.35% variable on a 80% LTV.
1,500 EUR cash sign on bonus via "legal fee contribution".
Mandatory to open a current account with fees of at least 4 EUR a month.
Rate decreases passed on after you sign on. i.e. Existing customers are treated like new customers.
In a few weeks, according to the Indo, Frank Mortgages will be in the picture also.
Out of KBC and Ulster Bank, I think the Ulster Bank package, as a whole, is a better option.