The best thing about the new lender is that the remortgage interest rate is 3% less than the old remortgage interest rate. I am sure that remortgage is the only way to lower my repayments. Calculation suggest that I can save around 20,000 Euros every year from the new lender. My home equity has also increased by 40,000 Euros.
The only thing that worries me is that if I have found the lender before two weeks, then I wouldn't have sold my car. But now, my car is gone.