Hi We have had a mortgage with the credit agricole for a couple of years now. We took out a flexible rate mortgage with a flexible payback option. Cuurently we have had two interest rate hikes, in the last one they increased my monthly payments ( by 60 euros) and also added two years to our payback term, I was originally told french banks dealt with any rate rises only by increasing your payback term, but obviously this is not correct. Has anyone else has a similar experience and any suggestions how I can reduce my monthly payments? David