Why don't you go interest only and top-up?
That way, your credit card and loan are costing you 3.25% instead of 16.9% and 7.9% respectively.
You can always knock chunks off your capital every month, paying off short term "loans" you've incorporated, and be back to your €165k mortgage within the 2 years.
Or you can do what we did, which is instead of paying the money off the principal every month, we put the money into a 7% interest savings account, and paid it off once a year. That way you earn interest on your money, and you TRS stays at it's maximum level.
That way, your credit card and loan are costing you 3.25% instead of 16.9% and 7.9% respectively.
You can always knock chunks off your capital every month, paying off short term "loans" you've incorporated, and be back to your €165k mortgage within the 2 years.
Or you can do what we did, which is instead of paying the money off the principal every month, we put the money into a 7% interest savings account, and paid it off once a year. That way you earn interest on your money, and you TRS stays at it's maximum level.