So we plan to switch to EBS, get the cash back then switch to AIB. Currently with BOI and can't get their rates down any lower. Less than 50% Ltv. Understand I will need to pay legal fees twice, valuation twice and we also need to get an engineer to certify the extension we did. Apart from trying to negotiate a discount on legal fees, any other ideas or thoughts? Overall saving on both switches is equivalent to a months net salary before any rate saving so def worth our while.