I called EBS yesterday. 14 years into my mortgage, 1 year into a fixed term. Breakage fee was 0.
Tempted to move to AIB - my current account and CC are there, they pay 2k towards the legal fees and they have an option of a 6 month moratorium on mortgage payments.
My car is on its last legs (probably won't pass NCT in September) so I'm seriously considering a move - the moratorium would really help with the process of getting a new car.
How was it free? Were you leaving or paying a lump sum?