You don't say what interest you're (a) earning on the savings, or (b) would have to pay on the loan*. But if you have savings, and no debts to service other than your mortgage, I'd be inclined to use the savings and borrow as little as possible. If you end up needing more funds for something in the future, presumably you could borrow then, rather than now? It doesn't make sense to borrow money 'just in case'...
* Incidentally, a new kitchen would certainly qualify for a top-up loan at your current mortgage rate, which would be a lower % than any personal loan. But I'd only recommend you do that if you can pay the €8K or €10K back sooner, without incurring penalties. If you spread it over the life of your mortgage you'll have a low monthly repayment but will end up paying back far more over the life of the loan.