We have €85000 (between 1 big, 2 smaller mortgages) and 6.5yrs left on our mortgages. They are fixed until Aug 2017 ( waiting to hear what penalty would be). Credit union have an offer of 2.99% for people with less than,€100000 and 10yrs, remaining on their mortgages. They would pay for house valuation and we incur switcher costs. Would this be worth doing????