So after speaking to a broker they seem to think that with my both our employment records my partners probationary period may be overlooked by some banks, but, we are fixed with BOI for 3 years and the sales guy in the bank has advised that the cost to exit this would be in the region of 28k!!! Does this sound right?
Essentially, the main driver for this is to consolidate some personal debt user taken out for a house refurbishment, I might need to wait it out and see if BOI will do this 6 months down the line as per the advise of the same guy in there..