If you switch to PTSB, and then EBS, raising the loan to €300k, and claiming 2% cashback from each, the €12k will leave €6400 extra once your break fee is paid. Then switch to Ulster or KBC for the ~2.2% variable rate. And consider fixing next year after rates hopefully come down. I'm doing almost exactly this plan now, but we're getting off a PTSB loan at the start instead of yours with BOI.
This means you can't go to Avant for another 6-12 months, but should still work out favourably.