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Couple saving with a piggy bank after transferring their Mortgage

Transfer your Mortgage

Transfer and save on your Mortgage
What is the current amount?
€
10,000 €1,000,000 €
How long is left?
months
60 months480 months
Google
4.9/5 Google
Compare rates and spreadsVariable, mixed and fixed rates, with spreads that may depend less on taking out other products.
Adjust the termA longer term lowers your monthly payment; a shorter term reduces the total interest you pay.
Savings on insuranceYou can have your life and multi-risk insurance outside the bank, as long as they provide a guarantee equivalent to what’s required; depending on your profile, this can reduce the cost.

Organize your life

See if you can get better terms

Has your bank stopped offering competitive terms and is your monthly payment weighing on your budget? CrediSegur helps you renegotiate or transfer your Mortgage to one of the institutions we have a binding agreement with, if the terms are better. Our intermediation service has no cost for you.
Simulator · 1 minute

Is it worth moving your Mortgage to another bank?

Answer three questions and see how much less you can pay per month and how long it takes to recover the transfer costs.
  • The spread up to which it’s worth switching
  • How much you gain by renegotiating with your bank
  • No personal data
See if it’s worth switchingCompare Mortgage

Benefits of transferring

See how to do it, step by step

01 Rate type and spread reduction

Whether 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 payment

Pay less per month and keep more disposable income by transferring your loan to a new bank

03 Term adjustment

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

04 Insurance savings

Renegotiate 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 Liquidity

Transferring 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

Credit Consolidation and additional liquidity

Add other debts to your home loan — keeping an eye on the total cost

When you transfer your Mortgage, you can combine other short-term commitments (consumer credit, auto loans and credit cards) into a loan secured by a mortgage, or obtain additional liquidity. Your monthly payment may go down, but these debts will then be secured by your home and, with a longer term, you may end up paying more interest overall. For this to be possible, the property you provide as collateral must be sufficient to cover all the financing, and your debt-to-income ratio after consolidation should generally not exceed the 45% recommended by Banco de Portugal.
Yellow piggy bank, symbolizing the savings from transferring your Mortgage
Intermediation at no cost

A simple, fast and secure process

  1. Run a simulation with your details
  2. A dedicated manager will analyze your case
  3. We compare the offers from the institutions we work with
  4. We show you the offers side by side, with TAEG and MTIC
  5. We support you from start to finish
Illustrative exampleMortgage transfer

We transferred Ricardo and Ana’s Mortgage

In this example, they managed to save over €2,100/yearRicardo and Ana are fictional characters created for illustrative purposes — they do not correspond to a real case.
Illustrative photo of a smiling couple
With the lower spread and insurance costs, they started saving€43,403.50Net total savings (33 years)
Initial scenario (example)TAEG 5.26%
Simulated scenario (example)TAEG 4.10%
Monthly savings€177.23
Annual savings€2,126.76
Switching costs, not included in TAEG€1,360.00
Initial scenario (example)
Simulated scenario (example)
Loan
€175,000.00
€175,000.00
Remaining term
33 years (out of 40)
33 years
Rate type
Variable
Mixed (fixed for 5 years)
TAN — Mixed Rate (fixed for 5 years)
—
2.75%
Spread (after fixed-rate period)
—
0.70%
Euribor
—
6 months
Index
6‑month Euribor
—
Euribor 6M (example)
2.922%
—
Spread
1.15%
—
Current TAN (indicative)
4.072%
—
Insurance (Life + Multi-risk)
€114.00Annual: €1,368.00
€68.00Annual: €816.00
Upfront costs (fees and Stamp Duty)
—
€572.00
Monthly payment
€918.06
€740.83
Payment after fixed-rate period
—
€814.79
TAEG (example)
5.26%
4.10%
MTIC (example)
€363,552.37
€318,788.87
The TAEG and MTIC of the new credit include the upfront costs: dossier and appraisal fees of €572.00, with Stamp Duty, and Stamp Duty on the principal of €0.00 — the transferred principal is exempt (Stamp Duty Code, art. 7, no. 1, subparagraph j)); interest on a Mortgage for own home is exempt from Stamp Duty (art. 7 of the CIS). Outside the TAEG, switching costs amount to €1,360.00: early repayment fees of 0.50% of the principal of the loans repaid, with Stamp Duty (€910.00), and registration and deed costs of €450.00 (assumption). The total savings already take these costs into account.
With the lower spread and insurance costs, they started saving€43,403.50Net total savings (33 years)
Initial scenario (example)TAEG 5.26%
Simulated scenario (example)TAEG 4.10%
Monthly savings€177.23
Annual savings€2,126.76
Switching costs, not included in TAEG€1,360.00
The monthly payment and monthly savings refer to the fixed-rate period (5 years). After that, the rate becomes 6‑month Euribor + spread — assumption: 6‑month Euribor of 2.922%, average of September 2026 — and the monthly payment is recalculated. 396 monthly payments. Credit secured by mortgage. The TAEG includes the life and multi-risk insurance required to obtain the Mortgage under these conditions. TAEG and MTIC reflect the entire term.
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 74-A/2017 and Banco de Portugal Notice no. 5/2024; the actual values are calculated by the lending credit institution in the European Standardised Information Sheet (ESIS). CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290. The 6‑month Euribor in this example is the monthly average indicated in the result note, used in the initial scenario and, in the simulated scenario, after the fixed‑rate period; the future value of the index may be different.

Need to transfer, build or something else?

See other Mortgage solutions.
  1. Transfer
    Transfer your Mortgage and see if you can get better conditions, taking the costs of the operation into account.Learn more
  2. Construction
    Financing to build your home from the ground up. Your project, our supportLearn more
  3. Mortgage
    Need liquidity or want to consolidate debts? Use a property of yours or a family member’s as collateral; longer terms lower the monthly payment but increase the total cost.Learn more
  4. Purchase + Renovation
    Buy the property and include the cost of improvement works in the same loan. Handle everything in a single operationLearn more
  5. Land + Construction
    A single loan for buying the land and carrying out the construction. Your project is financed from start to finishLearn more
Our platform automatically compares TAEG, MTIC and general conditions, helping you make an informed decision and save money.

What people say about us

See all reviews on GoogleReviews published by users on Google; CrediSegur does not verify whether the author is a client.
  • Logótipo UCIUnion de Créditos Inmobiliários, S.A. – Sucursal em Portugal
  • Logótipo CofidisCOFIDIS
  • Logótipo Crédito AgrícolaSICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
  • Logótipo CGDCaixa Geral de Depósitos, S.A.
  • Logótipo CetelemBNP Paribas Personal Finance, S.A. – Sucursal em Portugal
  • Logótipo BBVABBVA, Instituição Financeira de Crédito S.A.
  • Logótipo BankinterBankinter, S.A. – Sucursal em Portugal
  • Logótipo CTTBanco CTT, S.A.
  • Logótipo BPIBanco BPI, S.A.
  • Logótipo SantanderBanco Santander Totta, S.A.
  • Logótipo Novo BancoNovo Banco, S.A.
  • Logótipo BNI EuropaBanco de Negócios Internacional (Europa), S.A.
  • Logótipo ABANCAABANCA Portugal, S.A.
Intermediation at no cost

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