Brendan Burgess
Founder
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Should I query the interest rate if it seems too high, could they be possibly over charging me?
1.5% is unlikely to be overcharging you.
They should write to you every year and tell you the interest rate.
In any event, if you pay a lump sum off the mortgage and keep up the current level of repayments, you will have the mortgage down to €15k in 10 years.