We have a hefty morgage with 17+ yrs to run at ECB+0.9%. We have substantial savings and could pay €200k off the principle. We would like to reduce our Morgage with a view to owning our home outright within the next 7/8 yrs. I recall a post from Brendan some time ago where it was suggested that making such a payment would only make sense if a c.20% discount could be achieved from the mortgage provider (in our case it is ICS). Given that these guys are losing on our mortgage are they likely to deal? If so are there specialists out there who are good at handling this type of negotiation?