Yeah so I was wondering if a possible solution to your proposed market failure could be a service that motivates people to get rid of their mortgages by buying

Yeah so I was wondering if a possible solution to your proposed market failure could be a service that motivates people to get rid of their mortgages by buying them off. This would eliminate the problem of having to find a counter party, you only have to find the people willing to compromise on their 3% mortgages. Basically the business would be: Find the amount of money banks would pay upfront to the holders of the 3% mortgages, market that amount of money to the holders looking to move that otherwise wouldn't want to. It would create a little bit of extra liquidity in the market and it might allow home owners to deploy their excess capital that they now hold back because of the awful deal they get. Weird thing, I'm in The Netherlands and here 100% of the mortgages are transferable to a new house, at least within the same bank. I tried googling why that is but I only found all the banks advertising the fact without saying if they do that to comply with some government regulation.