Couple saving with a piggy bank after transferring the mortgage

Transfer Mortgage Credit

Transfer and save on your mortgage

Most Competitive RatesVariable, Mixed, and Fixed Rates with lower Spreads and less dependence on the purchase of other products or services

Adjust the termLonger amortization period for lower monthly payments or shorter term to save thousands of euros in interest over the loan

Savings on insurancePurchase insurance from companies not linked to banks, improve coverage, and save thousands of euros over the loan

Most Competitive RatesVariable, Mixed, and Fixed Rates with lower Spreads and less dependence on the purchase of other products or services

Adjust the termLonger amortization period for lower monthly payments or shorter term to save thousands of euros in interest over the loan

Savings on insurancePurchase insurance from companies not linked to banks, improve coverage, and save thousands of euros over the loan

Authorized by Banco de PortugalCredit intermediary no. 0001290

CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services. Covered Credit Contracts: Mortgage and Consumer Credit. Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.

Organize your life

Ensure the best conditions and a lower spread

Is your bank no longer offering the most competitive rates and is the payment weighing you down at the end of the month? CrediSegur helps you negotiate and/or transfer your Mortgage to a bank that guarantees you better conditions and a lower spread. All of this, in a simple, fast, and free way.

Play

Advantages of transferring

See how to do it, step by step

01

Rate type and spread reductionWhether fixed, mixed or variable, adjust it to your financial profile and ensure the best on the market. There is more to credit than the spread

02

Reduction of the monthly paymentPay less per month and keep more disposable income by transferring your loan to a new bank

03

Term adjustmentReducing the term is a way to repay the loan sooner and pay less interest

04

Insurance savingsRenegotiate Life and Multirisk Insurance to further reduce your expenses

05

What is the cost of transferring the loan?All loan transfers have associated costs but many banks cover or absorb these costs in whole or in part

06

Consolidation and Additional LiquidityTransferring your mortgage can be a great opportunity to consolidate those short-term loans with high rates into loans with much lower rates and/or obtain additional liquidity for any project under exceptional conditions

Consolidation of Credits and Additional Liquidity

Turn Bad Debt into Good Debt

With the Credit Transfer, you can take the opportunity to consolidate, through a Multi-option Credit under conditions similar to Mortgage, other short-term responsibilities (Personal Credit, Car Credit, and Credit Cards) or obtain additional liquidity to finance any project. For this, you need to have your home financing for more than two years, that the property you are providing as collateral supports the set of financings, and that your effort rate after consolidation does not exceed 50%.

Yellow piggy bank, symbol of savings when transferring the mortgage

Free

Simple, fast, and secure process

01

Make a simulation with your data

02

A dedicated manager will analyze your case

03

We find the best solutions

04

We present the best proposal

05

We accompany you from start to finish

We transferred the credit of Ricardo and Ana

They managed to save over €12,000

Client's bank

Loan€175,000.00

Spread0,85%

Insurance (Month)€114.00

Insurance (Year)€1,368.00

Monthly payment

€1,982.00

CrediSegur Proposal

Loan€175,000.00

Spread0,65%

Insurance (Month)€68.00

Insurance (Year)€816.00

Monthly payment

€754.00

With the reduction of the Spread and insurance, they started saving

Monthly savings

€1,228.00

Annual savings

€36,846.00

Do you need to Transfer, Build or for another purpose?

Travel, study, or renovate your home. You choose!

TransferTransfer your Mortgage and improve the conditions of your loan. Reduce the monthly payment and gain more financial stability.

ConstructionFinancing to build your home from scratch. Your project, our support

MortgageDo you need liquidity or to consolidate debts? Use a property of yours or family members as collateral and benefit from longer terms and competitive rates

Acquisition + WorksBuy the property and include the cost of improvement works in the same loan. Resolve everything in one operation

Land + ConstructionA single credit for the purchase of the land and the execution of the construction. Your project is financed from start to finish.

Our platform automatically compares TAEG, MTIC, and general conditions, allowing you to make an informed decision and save money.

4.9/5

FREE

How can we help?

Answer the questions to get the best proposal

What do you want?

Credit Information

What stage are you at?

Do you already have a property?

How much do you need?€

Total household income€

Number of applicants

1st Applicant

Marital Status

Nationality

Professional Status

Do any of the applicants have defaulted loans?

YesNoNot sure

Contact Information

First Name

Last Name

Date of Birth

Phone

Contact Time

Do you have something to say? Write your message here.

I declare that I have read and accepted the Privacy Policy and the Terms and Conditions of CrediSegur and I authorize the processing of my personal data for the purpose of advising on savings solutions related to mortgage credit. I also authorize CrediSegur to contact me to present savings proposals in other services, including insurance related or not to mortgage credit, other types of personal credit, commercial energy proposals, travel proposals, and real estate services, provided directly by CrediSegur or through its partners. I also consent to receive informative communications and savings suggestions via email, and I can withdraw my consent at any time.