This seems like a very obvious question but what happens to my mortgage if I sell my house? Do I simply repay the remainder owed (€143k) or does it cost me more? In other words am I penalised when I settle the loan?
If you are not on a fixed rate mortgage, then there is no penalty. You could always ask ptsb for redemption figures now - they can tell you now what it would cost you to repay the mortgage. Its worth asking them if you have a concern