There are more signs of competition returning to the mortgage market with Permanent TSB offering a 1-thousand euro incentive to lure borrowers to switch lenders.
The bank will pay some legal costs for families who switch their home loans, if they also transfer their current accounts.
The "switcher" market has suffered since the financial collapse but analysts say recovering home sales mean more banks are likely to target new customers in the months ahead.
Personal Finance Editor with the Irish Independent Charlie Weston says a number of lenders are trying to entice mortgage holders to their businesses:
