Skip to contents

Mortgage subrogation simulator

I want to bring my mortgage to Bankinter

Assess and compare at a glance the cost of your current mortgage with Bankinter's options. With no commitment. All we need are a few simple details. Just a click away.

When a question arises, a conversation begins. Shall we talk?

Would you like us to give you a call?

Yes, please call me

I would rather call you

From 8:00 to 18:00 Monday to Friday.
Call us on 900 810 017

Would you prefer to come into one of our branches and chat face to face?

Branch finder

Dual mortgage

The only mortgage on the market 1 that combines a fixed and variable rate at the same time.

Find out more about dual mortgage
Hipoteca dual


See How do I switch my mortgage to Bankinter? How do I switch my mortgage to Bankinter?

Moving your mortgage to another bank is much easier than you might think.

1. Let's get to know each other a little better. Contact us.

You can do so from our website, via telephone banking or visiting your nearest Bankinter office. We'll tell you what documents we need to prepare our offer for you. What's important is that before embarking on the process to switch your mortgage to another bank, you have zero doubts.

2. We will confirm the new conditions.

We will do so through what is known as a "binding offer"”, an approved format where our offer is specified with all the conditions and expenses of the operation.

3. It's time to compare which mortgage is best for your needs.

With the binding offer in hand, you can compare the type of mortgage that best suits you and see where you can improve and what you can save compared to your current mortgage.

4. We sign the mortgage and that's all!

The Law stipulates that to move your mortgage to another bank, a three-week period established in Real-Estate Credit Contracts must be respected. From that moment on, we will be able to close the mortgage exchange transaction with the new signature.

See What is mortgage subrogation? What is mortgage subrogation?

The subrogation of a mortgage consists in amending one or more of the parties to the agreement, for example if there is a change in the borrowers or a change in the financial institution or bank. There are four types:

Change of bank

This is what is known as a creditor subrogation. it consists of moving your current mortgage to another bank. Usually to improve the term, spread, etc.

Debtor subrogation

This consists in amending the parties to the mortgage but keeping it at the same bank. A common scenario for this type of subrogation is when someone buys a property and takes over the seller's mortgage.

Creditor subrogation

This consists in moving a mortgage from one bank to another, usually to improve the term, spread, etc.

Subrogation to the developer's loan

This is when the homeowners on a housing estate subrogate their mortgage to the housing developer's initial loan.

See What is the fee for a mortgage subrogation? What is the fee for a mortgage subrogation?

Unlike other amendments, subrogation protects the customer because they don't have to pay any new taxes. However, if the subrogation consists in moving the mortgage to another entity, known as creditor subrogation, the bank will charge a fee for this transaction.

Offer valid until the amount offered (25 million euros) has been reached.