Not a bad rate, I was lucky enough with a green BER based rate back in 2021, I think it was just over 2%, which is 90% of the mortgage. We split the other 10% and it's variable allowing a no penalty principle payment whenever we want to pay off €500 here or €1000... Very handy thing to do and something I'd recommend to people, you get the advantages of a fixed rate, yet can still pay off some principle