If you can get a low fixed rate it’s worth fixing.
By low at this point in time I’d mean 2.5% or less
Microsoft Excel and Google Sheets both have a formula for mortgage costs
It’s really worth using these and playing around with the different rates, durations and the value of your mortgage to see what a difference it makes
There are plenty of articles and videos online explaining how to use them.
A €250,000 mortgage over 25 years at 2.5% interest would have a monthly repayment of €1122
A €250,000 mortgage over 25 years at 3% interest would have a monthly repayment of €1186
€768 per year
Another to be aware is that you can negotiate with banks - ask them for a better rate.