For me, that is 9.163% or about €3,200 in interest on a €70k loan.
I believe there are different opinions here about what the margin refers to.... Basically, whether it is 2.663% * (106.5%) = 2.836% (6.5% more of the interest rate) or 2.663% + 6.5% = 9.163% (increase of the interest rate by 6 percentage points).
The difference is of course significant (and I have no idea what is usual there).
the easiest is really variable or see what a personal loan costs.
Also talk to your main bank about what they can offer you
A personal loan is always more expensive than a mortgage loan and usually goes up to €30,000 or €50,000 at some banks. Registering the main bank in the land register also just costs unnecessarily.
If it is still an old life insurance policy with 4% guaranteed interest tax-free, I would not withdraw it. Extend the loan for 5 years at under 3% interest.