Don't look at repayments.
To do a fair comparison, just look at interest rates.
a few people have told me that I would be crazy to sacrifice my tracker..
That comes from the time when trackers were at .5% above the ECB rate. With a rate of 2.25% it's not that clearcut, and you are right to ask the question. And when part of your mortgage is at 3.3% it's essential that you shop around.
e129k is on a tracker at ECB+2.25% = €2,900
e80k is at 3.3% = €2,640
Total interest per year: €5,540
€209k @ 2.65% = €5,540
You can fix with Avant for 20 years at 2.45%
€209k @2.45% = €5,100
So you would be saving €440 a year.
It would take you about 4 years to get back the cost of switching.
Are you sure you are going to have your mortgage for 20 years?
Would you consider fixing for 7 years at 1.95%
€209k @1.95% = €4,075 a year
So you would recover the cost of switching in 18 months or so.