if a loan expires after 10 years and the other can be terminated after 10 years (notice period 6 months) then there is no problem. You can combine both and finance them with a bank of your choice.
. You can combine both and finance them with a bank of your choice.
The question of the OP (and I would be interested for the future as well) was, I believe, whether the currently financing bank is even interested in a consolidation. They are currently getting 2%. Okay... you can get out of that with a termination, but what is the mood (=interest rates) if I terminate today and say tomorrow: give me a new loan on better terms.
That is exactly the crux of the matter, and that is why I have in mind that some banks do not participate in special termination and simultaneous new financing. But there is also the competition ;)
I think the banks are quite unemotional about it. They know you can leave anyway, so why not aim for a possible continuation, following the motto, a bird in the hand is worth two in the bush, which is already in the process of flying away. It's not like the pigeon is already cooked and roasted and you take it out of the oven to put it in someone else's.
The bank will also be aware that with the current interest rates such a loan will be terminated and refinanced after 10 years. Especially if the fixed interest period on the other loan expires. So if they want to keep you as a customer, I think they will also make you an offer. It should also be clear to them that otherwise you would go to another bank.
Maybe it actually makes sense to address the issue quite openly and ask for a new complete offer. I think the bank is also interested in keeping us as customers in the end, since everything has been going well for ten years. I just didn't want to start the conversation directly with the term "termination" and harden the fronts.