Mortgage Transfer
Mortgage Transfer
Mortgage Transfer
Mortgage Transfer
Mortgage Transfer
Mortgage Transfer
Already have a mortgage but feel you could be paying less?
By transferring your existing loan, you can reduce your monthly payment and improve
your conditions — and we’ll guide you every step of the way.
Already have a mortgage but feel you could be paying less?
By transferring your existing loan, you can reduce your monthly payment and improve
your conditions — and we’ll guide you every step of the way.
Already have a mortgage but feel you could be paying less?
By transferring your existing loan, you can reduce your monthly payment and improve
your conditions — and we’ll guide you every step of the way.
Already have a mortgage but feel you could be paying less?
By transferring your existing loan, you can reduce your monthly payment and improve
your conditions — and we’ll guide you every step of the way.
What is a mortgage transfer?
What is a mortgage transfer?
A mortgage transfer allows you to move your current loan to another bank that offers better terms — such as lower interest rates, fewer fees, or more flexible repayment schedules.
The goal is clear: reduce costs, optimize your credit, and bring greater peace of mind to your financial life.
As credit intermediaries, we handle everything for you — from analyzing your current loan to presenting the best offers available in the market.
The advantages of transferring with us
- Real savings: lower your monthly payment and reduce the total cost of your loan.
- Simple and fast process: we manage all the bureaucracy for you.
- Personalized support: we’re with you at every step, from the first simulation to
- the new contract signing.
- Total transparency: we compare only clear, advantageous, and
- tailored proposals.
At Asterisco Capital, we handle the entire process of transferring your loan in a simple, fast, and transparent way.
1. Free analysis of your current loan
We evaluate the conditions of your credit agreement (rate, term, insurance, monthly payment, etc.) and identify opportunities for improvement.
2. Presentation of the best offer
We compare the options available on the market and negotiate with the main banks to find the most advantageous solution for you.
3. Transfer process
Once approved by you, we take care of all the paperwork with the new financial institution — at no cost and without complications.
4. New monthly payment, better conditions
Your loan is transferred to the new bank, ensuring a lower monthly payment and terms that better match your needs.
Our goal is to help every client become more efficient by reducing costs, increasing savings, and simplifying their financial life.
How the process works
How the process works
Analyze my case Analyze my case
We have gathered answers to the most common questions about mortgage loan
What documents are required to apply for a mortgage loan?
The required documentation may vary between banks, but generally, the essential documents for applying for a mortgage loan include:
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Identity Card or Citizen Card and Tax Identification Number;
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Most recent income tax return and settlement notice;
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Copies of the last three pay slips;
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Employer’s statement;
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Property location plan;
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Building or unit plan;
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Proof of other income.
Additional documents may be requested depending on the bank and the client’s specific situation – for example, if the client is a pensioner, employed, or a non-resident.
Do I need to have an account with the bank to apply for a mortgage loan?
It is not mandatory to have an account with the bank where you intend to take out a mortgage. However, most banks require the client to open an account as a condition for granting the loan.
Which insurances are mandatory when taking out a mortgage loan?
What insurance is required for a mortgage loan?
Banks usually require two main types of insurance for granting a mortgage loan:
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Life insurance – ensures the loan is paid in case of the borrower’s death or disability, protecting both the client and the financial institution.
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Home multi-risk insurance – covers property damage, such as fire, floods, or other incidents, safeguarding the mortgaged property.
In addition to these, the bank may recommend other complementary insurance policies, but the two above are essential for loan approval.
What is the Euribor?
The Euribor (Euro Interbank Offered Rate) is the reference rate used by European banks to lend money to each other. In mortgage loans, the Euribor serves as the basis for calculating the interest rate applied to the loan. For example, if your loan has a rate of “Euribor + spread,” the final rate will be the sum of the Euribor and the bank’s margin (spread).
What is the spread?
The spread is the profit margin that the bank applies on top of the reference rate (such as Euribor) to calculate the interest rate of a mortgage loan. In simple terms, it is the additional amount charged by the bank for the risk and service of granting the loan. The lower the spread, the lower the interest rate applied to your mortgage.
What is the APR (TAEG)?
The APR (Annual Percentage Rate) represents the total cost of the loan, including interest, fees, and other charges associated with the borrowing. Unlike the nominal rate (TAN), which only reflects interest on the principal, the APR allows for a transparent comparison of different loan offers, showing the actual amount you will pay the bank over time.
What is the TAN?
The TAN (Nominal Annual Rate) represents the interest rate applied to the principal of a mortgage loan, excluding other fees or additional costs. It indicates only the interest charged by the bank on the borrowed amount and does not reflect the total cost of the loan.
What is the MTIC?
The MTIC (Total Amount Payable by the Consumer) represents the total amount the client will pay to the bank over the term of the loan, including principal, interest, fees, and other charges. It reflects the overall cost of the credit, allowing the borrower to know exactly how much they will pay until the loan is fully repaid.
