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@jonasbrownith They don’t take the absolute value. It’s old rate minus new rate.

@boagz57 You can overpay as much as you like at no charge, you aren’t limited to 5k. Because interest rates are higher than when you drewdown the break fee calculation works out as a negative number i.e there is zero break fee. I suspect that AIB has told people they can overpay by 5k at no fee...