Should I switch Mortgage?

Hi Everyone,

My Mortgage Fixed Rate of 2.75 % is coming to an end and I'm looking for some advice before I fix again. My LTV is around 56% so that means the best rate I can get from AIB Is 3.1% and outside of AIB, PTSB offer 3% for 4 years with a few bob off each month Cashback. For every option however my repayments will go up unfortunately.

Has anyone any experience in switching? Are the costs involved high and have you been able to negotiate better offers than what was advertised?

Thanks