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

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 (Consumer 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 terms

05

We accompany you from start to finish

Illustrative exampleMortgage Transfer / Portability

We transferred Ricardo and Ana's mortgage

In this example, they managed to save over €1,100/yearRicardo and Ana are a fictional character, created for illustrative purposes — they do not correspond to a real case.

Illustrative photograph of a smiling couple

With the reduction in the Spread and in the insurance they now save€37,224.00Total savings (33 years)

Monthly savings€94.00

Annual savings€1,128.00

Initial scenario (example)Simulated scenario (example)

Loan

€175,000.00

Remaining term

33 years (of 40)

33 years

Rate type

Variable

Mixed (fixed for 5 years)

TAN — Mixed rate (fixed for 5 years)

—

2.75%

Spread (after fixed period)

—

0.70%

Euribor

—

6 months

Index

Euribor 6 months

—

Euribor 6M(example)

2.10%

—

Spread

1.15%

—

Current TAN(indicative)

3.25%

—

Insurance (Life + Multi-risk)

€114.00Anual: €1,368.00

€68.00Anual: €816.00

Monthly payment

€835.00

€741.00

TAEG(example)

3.60%

3.05%

MTIC(example)

€330,660.00

€293,436.00

With the reduction in the Spread and in the insurance they now save€37,224.00Total savings (33 years)

Monthly savings€94.00

Annual savings€1,128.00

*Illustrative, non-binding example, with a fictional character and fictional figures, merely indicative and subject to confirmation. It does not constitute a credit proposal, nor does it replace the analysis of each client's financial and personal situation, nor the approval of the lending credit institution. The TAN, TAEG and MTIC figures shown are illustrative, in accordance with the standardized information duty applicable to mortgage credit advertising (Aviso do Banco de Portugal / DL n.º 74-A/2017); the actual figures are calculated by the lending credit institution in the Ficha de Informação Normalizada Europeia (FINE). CrediSegur (CRRF Brokerage, Lda.) — Tied Credit Intermediary registered with Banco de Portugal under no. 0001290. The Euribor figure shown in the initial scenario is merely illustrative and does not necessarily reflect the market value at the date of publication.

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 terms

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

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While we're at it, what else can we help you save on?Insurance · recommended — banks usually require life and multi-risk insurance linked to the mortgage — compare your options with no commitment.Consumer Credit — do you also need financing for another purpose? Simulate it with no commitment.Energy — from the bill to solar panels and electric mobility: we check whether there are savings for you, with no commitment.Select all the areas aboveBy selecting one or more areas, you authorize CrediSegur to contact you to present savings and optimization terms in those areas, provided by CrediSegur or through its partners.

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