Hi Kerrigan
Sorry but maybe I am reading this slightly incorrectly, so please do confirm if I am.
You have a LTV of 122.5% (380/310), and you are being charged 4.4% for it.
Given the general rate of SVR, I doubt you can call this a rip off. It also tends to ignore your previous financial history which is no bad thing. I don't think foreign v domestic bank has anything to do with this
If you were to pay off 100k to bring LTV to 90% and move to BOI in the morning, you would be on 4.5%. A few others have a SVR at 4.3%, but this would require you to be eligible for the mortgage in the first instance.
The lower rates are those with better LTV's (below 80%/60%).
This does not take into account the overall high mortgage SVR rates being charged, but that is a different discussion
Out of curiosity, what do YOU think is a fair interest rate for your specific case given the standard SVR rates in Ireland today? If you were lending this money, what return would you want to make based on the risks involved ?