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Mortgage subrogation

I want to bring my mortgage to Bankinter.

Welcome to Bankinter! We will explain everything that you need to know in detail below, so that you can assess whether you are interested in subrogating your mortgage and bringing it to Bankinter.

  • Nothing commits you to your current bank: You do not need their authorisation. It is much simpler and quicker than you think.
  • You could achieve great savings: think of the years you have left to pay.
  • If you think the numbers add up, the sooner you do it, the sooner you will start saving.
Subrogar hipoteca. Traer hipoteca a Bankinter

Mortgage subrogation calculator

Assess and compare at a glance the cost of your current mortgage with Bankinter's options.

Subrogating your mortgage is much easier than you might think.

1. Contact us

You can do it on our website, via Telephone Banking or, of course, from our offices. We will tell you what documents we need to prepare our offer for you. The important thing is that before starting the surrogacy you have zero doubts.

2. We will confirm the new terms and 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 two mortgages and see where you can improve and where you can save.

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

For this we must respect the three weeks established by the Real Estate Credit Contract Law. From that moment on, we will be able to close the mortgage exchange transaction with the new signature.

Stop worrying about it and leave your doubts behind.

Start by comparing mortgages: fixed, variable or mixed-rate.

See the details of the mortgage that suits you best.

Have you already chosen? Well now calculate how much your mortgage payments would be.

When is it convenient to subrogate a mortgage?

These are the most common reasons for subrogating a mortgage. Surely there are yours too.

Improve interest rate

With subrogation you have the option of improving the interest rate, because perhaps the situation of the markets, or your situation, has changed.

Avoid fees

For example, those that you could have for making early repayments.

Subrogate to your seller's mortgage

If you are going to buy a house that has a Bankinter mortgage, subrogation is a good option, because you will save on expenses.

Change bank

Remember that you do not need any authorisation from your bank to change your mortgage or to transfer the possible associated products.

Modify the return period

If you are doing well or not so well, surrogacy allows you to shorten or lengthen the repayment period.

Are you thinking about expenses?

That's normal, because it is almost certainly what will define whether the operation is profitable or not. In a surrogacy there are two types of expenses, some that we assume for the most part, and others that will depend on your bank and the conditions that you signed. Let's review them:

Expenses from your old mortgage

Those that your current bank could apply. You will have to check what agreements you reached and what you signed. These are the most common expenses that could apply and that will have to be taken into account:
  • Subrogation fee or change of the mortgage bank.
  • Early repayment fee.
  • Fee for interest rate risk compensation.

New mortgage costs

These are the expenses that the signing of a new mortgage entails and that we would mostly assume. We need to check:
  • Notary: Bankinter.
  • Constitution of the mortgage agreement: Bankinter.
  • Registration: Bankinter.
  • Consultant: Bankinter.
  • Stamp Duty: Bankinter.
  • Appraisal: Customer.

Do you have any questions? Here you have all the answers.