Q. We have a 25 year € 285,000 mortgage on a one year fixed rate 2.9% but it is due to revert to a standard variable rate of 3.7%. Our incomes have changed in the last year as my partner has gone part-time earning € 85,000 between us. Is it worth our while shopping around for a better deal especially with the costs and hassle associated with such a move ? Terry – Blanchardstown Dublin 15

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