I didn’t mean any harm 
. The first thing I thought of for comparison was that generally, you have to pay around €400/month even for a smaller rental apartment (and that’s not even enough in larger cities). With mortgage repayment + maintenance fee, I think we’re in quite competitive territory, especially since some of it remains as “hidden savings.”
The easiest thing would be to refinance the loan term to 35 years @K-PAX , which would minimize monthly costs when considering your household cash flow. How long a loan term the bank is willing to offer is another matter. And even if you extend the loan term by just a few years, it doesn’t mean you couldn’t still pay it off faster once your situation improves. (It’s worth checking if there are extra costs for paying it off ahead of schedule).
Another option is a repayment holiday for the loan, which only helps temporarily.
E: It’s also worth reading through this thread;
https://keskustelut.inderes.fi/t/uhkaako-kassavirtasi-kuihtua-inflaation-myota-arjen-saastovinkit-joilla-on-merkitysta/34925?u=n.k