Remember it would cost us €25.000 to change our mortgage. Well, we threw that offer in the bin. However, some banklady phoned and asked us whether we were still interested in a meeting to talk about our mortgage. I told her the fine was too big. She was shocked at this number and was sure something was wrong. She knew for sure she would be able to get us a better deal.
Today we had a meeting via Skype, very handy with two little ones in the house. This time around another bank employee calculated an €18.000 fine. Ehm…right. The interest rate for five years she was able to offer us was as low as 1.9%! Wonderful! Strange thing is that our monthly mortgage payment would go up a little, even though we now have a 4.35% deal. This is because we have this savings mortgage deal….difficult to explain to the non-Dutch. They’re not available anymore….but we’re stuck with one! (unless we move houses, that way we can get rid of it without the fine)
Oh wel….this means that we can’t use our excess money to throw into our mortgage. Our other options are (unless we want to spend it on useless shit…) to either save or invest. We’re all for the latter, yet again!
Lots of love,