Mortgage Credit Transfer
The key is to transfer the credit.
Did you know you can transfer your mortgage from one bank to another? Discover what Banco Montepio has to offer and benefit from advantageous conditions. And, of course, reduce your monthly house payment.
Transfers are on us.
If you have a mortgage with another bank and transfer it to Banco Montepio, we will reimburse the transfer costs (up to €780*) and waive the fees associated with the new loan: property appraisal fee, dossier study, and contracting fee. Just by switching, you're already winning. But there are more advantages. Discover them all below.
Mixed rate (fixed and variable)
Fixed payment for 2 years (and we even refund the spread).
When you transfer your mortgage to Banco Montepio, you can choose a fixed rate for the first 2 years of the contract, and from the third year onwards, it switches to a variable rate. Additionally, we refund the spread amount every month during those first two years. Only advantages and zero surprises in the payment.
Worten prepaid card
And you get back 1% of your credit on a Worten card.
If you buy a house or transfer your mortgage from another bank, you receive 1% of the loan amount on a Worten prepaid card*. If the house has an energy certificate A or A+, we offer the appraisal fee worth €230.
Financing up to 90%
We finance 90% of the appraised value of the house if you transfer your mortgage to Banco Montepio.
Is the loan for a second home? We finance up to 80%.
Fixed, variable, or mixed interest rate?
The fixed rate is valid for up to 30 years and remains constant.
The variable rate follows the Euribor and can be contracted for 3, 6, or 12 months, with the spread added.
The mixed rate combines both: it is fixed for the first two years, and then switches to variable.
Terms tailored to you
- Up to 40 years for clients aged 30 or younger.
- Up to 37 years for clients aged between 30 and 35.
- Up to 35 years for clients older than 35.
Simulate and we respond.
Move out of your parents' house, stop sharing a house with friends, or stop paying rent.
What are you waiting for?
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*The full and early repayment of the loan within the first 5 years of the contract requires the return of the amount credited to the card and the refunded amounts.