A gain for sure, the interest rates should be significantly lower, right? With us, it was "only" 1.1% less but also only because the follow-up financing came after 5 years and we still had 6 months forward. I found it super stressful, all the forms and contracts, a 5 cm thick stack, the new credit guidelines... But it was worth it and now there are 10 years of peace again (well, still 8). Time in the house somehow goes by faster. Or you just get old