I switched to AIB a few months ago through a broker. I'm ashamed to say I don't know what my rate is but it's a tracker, discounted for the first year. My LTV was less than 80pc so it was the best offer on the market and they paid my legal fees. They don't advertise the fact that they'll pay the fees but if you're deemed to be 'safe' they will. The advantage is that because they don't advertise about the fees, they don't have any rules regarding them. Therefore you don't have to stick with them for a certain period of time, which you have to do with other banks who pay your fees. So technically you can switch again after a year or so if you get a better rate - or haggle to keep yours down.