Q. We were fortunate enough to have secured our mortgage 21 years ago, our original loan is now down to € 133,800 – c. 40% of the value of the home. We only have 9 years to go and while our mortgage interest rate is 4.5%, is it really worth our while switching ? It currently costs us € 2,026.74 per month. We are both aged 52 with three children under 16 years of age. Thanks for the advice Terry – Drumcondra, Dublin 9

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