I pay a below 1% fixed rate for a 20 years mortgage since 4 years ago here in Belgium
I went to a mortgage broker first who offered me worse tho not necessarily bad rates with other banks as an option. The 2 best options I found were not on his roster.
The mortgage broker did say he preferred not taking insurance discounts as those insurance cost could go up up to a maximum and couldn't then be renegotiated separately.
But so far it's been better for me and of course that broker would also have negotiated the separate insurance and gotten his cut.
I went to a mortgage broker first who offered me worse tho not necessarily bad rates with other banks as an option. The 2 best options I found were not on his roster. The mortgage broker did say he preferred not taking insurance discounts as those insurance cost could go up up to a maximum and couldn't then be renegotiated separately. But so far it's been better for me and of course that broker would also have negotiated the separate insurance and gotten his cut.