Tips, steps, procedures, comparison tools... Everything you need to get to your new home.
I want to bring my mortgage to Bankinter.
Some things that you need have to be very clear.
- Nothing commits you to your current bank: You do not need their authorisation.
- It is much simpler and more agile 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.
Subrogating your mortgage is much easier than you might think.
You've already seen it, in just four steps you can change your bank mortgage:
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.
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.
Now it's time to compare.
With the binding offer in hand, you can compare the two mortgages and see where you can improve and where you can save.
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?
Improve interest rateWith subrogation you have the option of improving the interest rate, because perhaps the situation of the markets, or your situation, has changed.
Avoid feesFor example, those that you could have for making early repayments.
Subrogate to your seller's mortgageIf you are going to buy a house that has a Bankinter mortgage, subrogation is a good option, because you will save on expenses.
Change bankRemember that you do not need any authorisation from your bank to change your mortgage or to transfer the possible associated products.
Modify the return periodIf you are doing well or not so well, surrogacy allows you to shorten or lengthen the repayment period.
Are you thinking about expenses?
Expenses from your old mortgage
- Subrogation fee or change of the mortgage bank.
- Early repayment fee.
- Fee for interest rate risk compensation.
New mortgage costs
- Notary: Bankinter.
- Constitution of the mortgage agreement: Bankinter.
- Registration: Bankinter.
- Consultant: Bankinter.
- Stamp Duty: Bankinter.
- Appraisal: Customer.