Despite Euribor edging down to around 2%, many borrowers remain cautious: mixed-rate mortgage deals continue to dominate both new contracts and renegotiations, and some households are choosing to extend the fixed portion of their repayments rather than switch to variable rates. Mortgage brokers are playing a growing role, advising on re-fixing instalments, comparing mixed vs fixed options, and arranging refinancing to manage payment certainty amid ongoing market uncertainty.