Tracker Mortgage - is deal an option

Hi,
Apologies in advance if it is a stupid question.
I have a tracker mortgage with 20+ years / €130K remaining. A friend suggested that I should call the lender and ask them if they can offer me a deal if I settle the account in full now. in his opinion the lender is losing money on tracker mortgages and can offer a deal if I offer to pay the mortgage in full?
Do you think it is possible ?

bbari1 said:

in his opinion the lender is losing money on tracker mortgages

Click to expand...

Not since about 2013...
This is a positive equity tracker with KBC? What margin are you on?

Yes, its with KBC. I see the interest rate on the statement is 0.75%.

Tracker mortgages deliver gross profits to a bank.

Whether they are profitable after operating expenses and bad debts, I'm not sure.

Just called KBC, as you said above, no discount for early settlement.

I'm a fan of paying down debt and especially becoming mortgage free however at .75% I think I would use my capital in other ways.