Moderator's note: This is an important calculation and many people make the following mistake:

KBC came back with a break-fee of €1305. This is a 3 year 2.99% fixed-term with 24 months left on €416k. I'd save €2016 over 2 years by going onto the newer 2.6% 3 year fixed against a cost of €1305+€127 valuation fee, so €584 net.

KBC came back with a break-fee of €1305. This is a 3 year 2.99% fixed-term with 24 months left on €416k. I'd save €2016 over 2 years by going onto the newer 2.6% 3 year fixed against a cost of €1305+€127 valuation fee, so €584 net.

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