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Everything you look for in a mortgage

Personalised, protected, simple and supported: everything you could ask for with Fineco.

An interest rate always in line with your needs

You decide on your interest rate, with completely transparent costs starting from the moment you apply.

Choose the term of your mortgage and the kind of interest rate you prefer.

Fixed or variable rate mortgage? Why choose?

With Remix Mortgage you can personalise your interest rate and combine the two options.
And change it as often as you like.

For example, are variable rates particularly attractive right now? Start with a variable interest rate.
If you change your mind then simply change your mix and make your repayments more stable by increasing the fixed interest rate part of your mortgage. After the first year you can change it as often as you like, free of charge and directly online.

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What are your goals?

With Fineco mortgages you can watch at your projects from a new perspective. Achieving them is simple.

For Purchase, Equity and Refinancing Mortgage agreements entered between 21st January and 31st March, stipulated by 15th May:

«I want a place of my own, where I can come back every evening and really feel at home.»

Spread acquisto da 0,65%

Up to €1,000,000 to buy the house you desire. Get up to 80% of the property value, to refund from 10 to 30 years.

«My old mortgage just got too expensive. I want a better deal.»

Spread surroga da 0,80%

Bring your old mortgage in Fineco to reduce the instalment. Zero preliminary investigation and collection fees, with no substitute tax or notarial cost. From 10 to 30 years.

«Now I've bought my house, I have other big projects in mind.»

Spread liquidità da 0,85%

Thanks to the guarantee of your home you can get up to €500,000 for your projects and up to 60% of the property value, to refund from 10 to 20 years.

«I need access to more funds but I already have a mortgage.»

Spread rifinanziamento da 0,75%

Substitute your old mortgage and get additional cash for your projects. Up to €500,000 and up to 70% of the property value, to refund from 10 to 20 years. No limits on the additional cash you can ask for.

Relax about your projects

Sleep better at night in the safety of your own four walls with the Fineco mortgage.

Fire and Explosion Policy is included free of charge: the whole cost is covered by the bank, without any surprise.

And by adding the Fineco Mortgage Policy you can insure yourself against events that might reduce your ability to make your mortgage repayments. So you can live your life without worrying about your commitments and provide your home and family with the protection they deserve. Why risk it? Added relaxation to your everyday life.

It's easier done than said

Work out your instalments and apply for your mortgage directly online yourself.
And with our online tracking service you can follow the progress of your application from the comfort of your own home.

Or if you prefer, you can get in touch with a Fineco Personal Financial Advisor.

Dedicated assistance when you need it

A dedicated mortgage specialist always available for you, to help and guide you through the process, from the mortgage application and valuation to signing the agreement.

Mortgage made easy

Spread

The Spread is the increase, in percentage terms, applied to a benchmark (e.g. 3-month Euribor, IRS.) to determine the interest rate of a mortgage.

IRS

The IRS is an interbank rate, i.e. the interest rate at which banks lend money to other banks. It is used by banks as a benchmark for fixed-rate mortgages.

Euribor

The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. It is used by banks as a indexing parameter for variable-rate mortgages.

Preliminary investigation

The Preliminary investigation is the step that enables the bank to assess whether to grant the mortgage loan, based on the creditworthiness and income requirements of the applicant and the quality of the secured property.

Appraisal

The Appraisal is the technical report that a specialist draws up during the mortgage preliminary investigation, certifying the value of the property to be mortgaged and the reasonableness of the loan amount requested to the bank.

Subrogation

Subrogation is the service that allows to transfer a mortgage at no cost (portability) from one bank to another, and to obtain a new mortgage for an amount equal to the outstanding debt at a more advantageous interest rate.

The Fineco Mortgage Policy is an insurance product against payment of Financial Assurance Company Ltd. and Financial Insurance Company Ltd. (AXA Group), which is designed to protect you in case of serious events that may reduce your ability to repay the outstanding debt or the mortgage instalments.
The policy guarantees:

  • mortgage repayment in the event of death or total permanent disability
  • payment of mortgage instalments in the event of involuntary job loss or temporary total disability or hospitalization

Further details

Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

Credit is granted subject to the approval of the Bank, which reserves the right to assess requirements and creditworthiness.

Standards conditions related to each product below are valid for agreements entered in February 2019.

MORTGAGES

Representative example on a Purchase Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 888.03, variable APR 1.28% effective APR 1.41%, including € 250 of the substitute tax (first house), € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 7,163.48. Total amount due from the consumer: € 106,563.48.

Representative example on Subrogation Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 903.44, variable APR 1.63% effective APR 1.64%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 8,412.50. Total amount due from the consumer: € 108,412.50.

Representative example on Equity Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 899.02, variable APR 1.53% effective APR 1.66%, including € 250 of the substitute tax, € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 8,482.13. Total amount due from the consumer € 107,882.13.

Representative example on Refinancing Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 895.71, variable APR 1.45% effective APR 1.58%, including € 250 of the substitute tax, € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 8,085.45. Total amount due from the consumer: € 107,485.45.

10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.90%.
Euribor 3M/360, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.00%.
* 50% less on preliminary investigation fees and zero appraisal fees on Purchase Mortgage, Equity Loan and Refinancing Loan for agreements entered from 21st January 2019 to 31st March 2019, and stipulated by 15th May 2019.

Compulsory property insurance policy: the cost is entirely borne by the bank that entered into a policy as an insured contractor, to cover the fire and explosion risk on the secured property.
In order to apply for a loan, it is required to be a Fineco account holder and to be 75 years, or less, from the end of the repayment plan. The age limit can be overcome if the mortgage co-signer is less than 70 years old at the end of the repayment plan and is a permanent employee, retired or self-employed. The granting of the loan is subject to the approval of the Bank which reserves the right to assess requirements and creditworthiness. Purchase and Subrogation Mortgages loan term: from a minimum of 10 years to a maximum of 30 years.
Duration of Equity Loan and Refinancing Mortgage: from a minimum of 10 years to a maximum of 20 years. Amount financed up to 80% of the property value for Purchase and Subrogation Mortgages; up to 60% of the property value for Liquidity Mortgage; up to 70% of the property value for Refinancing Mortgage. The property value is the lower of the purchase price and the appraisal value in the case of a Purchase Mortgage or the appraisal value in the case of a Subrogation or Liquidity Mortgage.
Purchases, subrogation, equity and refinancing mortgages are granted by Finecobank s.p.a and guaranteed by hypothecation on property.

The Fineco Mortgage Policy is an optional insurance policy of Financial Assurance Company Ltd. and Financial Insurance Company Ltd. (AXA Group). Read the Information Sheet carefully before subscribing.
For all contractual and economic conditions relating to the mortgages, please refer to the General Information on mortgage loans offered to consumers of the Fineco Purchase, Subrogation Mortgage, Equity Loan and Refinancing Mortgage.

Versione italiana

Fineco desidera informare i propri Clienti residenti o aventi sede legale e/o operativa in uno dei comuni interessati dagli eventi calamitosi del 26 Dicembre 2018 che hanno colpito il territorio dei Comuni di Aci Bonaccorsi, Milo, Trecastagni, Aci Catena, Aci Sant’Antonio, Acireale, Santa Venerina, Viagrande e Zafferana Etnea, in provincia di Catania, della facoltà di richiedere la sospensione del pagamento delle rate dei mutui ipotecari relativi a edifici distrutti o inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici.
L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) fino alla ricostruzione, all’agibilità o all’abitabilità del predetto immobile e comunque non oltre la data di cessazione dello stato di emergenza.
La domanda di sospensione dovrà essere presentata entro il 15 Febbraio 2019 e dovrà essere assistita da un’autocertificazione che attesti il danno subito dall’immobile per cui si richiede l’attivazione della sospensiva, resa ai sensi del D.P.R. 28.12.2000, n. 445.

La sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria. Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione alle Banche Dati relativa alle rate sospese.
Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità. Il piano di ammortamento si allungherà dunque di un periodo pari a quello per cui si è interrotto.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Inoltre potrà essere revocata dal mutuatario in qualsiasi momento.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.