Mortgage Rate Question

F

FTB96

Guest
Just looking for some advice in realtion to mortgage rates if possibile.

LTV on house is 42%-first mortgage- from looking at the rates the variable rate will be 3% or so depending on the bank and the 5 year fixed rates are best with PTSB/National Irish with this LTV

can anyone offer advice which they would choose? Could the rate be lowered as LTV < 50%?

any advice or pointers greatly appreciated.thanks again!!