Munsterman
Our situation is that we are buying the house directly from a builder who also owned the site, we didn't take it through from the planning stages like yourself and require a mortgage on the site. Borrowing under 80% of the house cost and builder wants half of the money in a few weeks and rest on completion, which is July but more likely to be August. The house is currently at 2nd fix electrics.
The NIB tracker therefore appears to be our best option. NIB will allow us to take the first payment as interest only and then lump the capital onto the "main" mortgage at the end.
Am currently a BOI customer and had my last mortgage with EBS. Have never went with or dealt with NIB before but so far they have been fine. My friend has had their free banking account for 10 years and has had no issues. The only thing with it is that there is no overdraft facility, the banking is only free if you are always going to be in credit. As far as I am aware you don't pay any fees for the setting up of Direct Debits or Standing Orders which is something that a lot of Ufirst people on AAM have previously complained about.