Be careful of lenders quoting discounted rates for the first year. You could end up losing in the long run if the rate applicable form year 2 on is higher than your current rate.
Yes - of course. Unless you habitually like to give away money unnecessarily. In which case I can send you on my bank account details so you can lodge as much as you like.Worth changing mortgage to save €1000pa?
It all depends on what value people place on their time and a bit of hassle. But personally if I could - after all legal expenses and valuation fees - save more per year than I could earn in a week I would make the change. Once you have moved to the best tracker rate (especially if it is a tracker) it will probably become less likely that you will find a better rate.
PS I assume your mortgage outstanding is under 80% of the house value - (if it isn't NIB will be no good for you)
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