Switching options

[dodo]

House value 450000
Mortgage 160000 with BOI
Varible 4.34%
Yrs left .24
LTV 35%

What is best optio to go for 5 yr fixed or 3 yr fixed. Or anything else

 

[Dauhee]

EBS (2% cashback), then PTSB (2% cashback), then KBC (3k), then UB (1.5k) if going to do multiple moves. Otherwise just go to KBC for the best rate, or for a slightly higher rate and less cashback just UB as they have better history of passing rate cuts

 

[Sean Og]

EBS (2% cashback), then PTSB (2% cashback), then KBC (3k), then UB (1.5k) if going to do multiple moves. Otherwise just go to KBC for the best rate, or for a slightly higher rate and less cashback just UB as they have better history of passing rate cuts

What about BOI for 2% ( tell them you are switching to EBS and you want to move back right away for Cash back.) and AIB for €2000