Mini menu


Make your home project come true

The tailor-made mortgage for all needs

See your projects from a new perspective with the Fineco Mortgage solutions:

Fixed and variable, choose the rate that best suits your needs

Choose the right duration for your mortgage and the rate you prefer, fixed or variable.

You decide which rate you can manage, with maximum transparency of costs from the application stage.

Mortgage Remix

With Mortgage Remix you can customise your rate and combine the two solutions, any time you want to.

For example, are variable rates especially interesting? You can start with 100% variable.
Then if you change your mind, you can change your mix and stabilise the rate by increasing the fixed rate component of your mortgage. After the first year, you can do that any time you want to, free of charge and directly online.

Watch the video

Premio per Mutuo Remix
Mutuo Remix si è classificato al 1° posto agli MF Innovazione Award, attribuiti da MF-Milano Finanza in collaborazione con Accenture, nella categoria «Prodotti di finanziamento per privati e business».

Fineco Green Mortgage

Are you planning to buy an eco-sustainable house? Choose Green Mortgage and find out that buying
an A-class energy home is even cheaper. Simulate the instalment in the website's reserved area.

Con l’acquisto di una casa ecosostenibile contribuisci a ridurre l’impatto ambientale e risparmi sui consumi energetici.

What are your goals?

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

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

Spread acquisto da 0,60%


Up to €1,500,000 to buy the house you desire. Get up to 80% of the property value, to refund from 10 to 30 years.

«My new eco-sustainable home»

Spread acquisto green da 0,50%


Up to €1,500,000 to buy an A-class energy home. 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 0,90%


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 0,90%


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 1,05%


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.

Everything you look for in a mortgage

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

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


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.


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.


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 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 AXA France VIE and AXA France IARD, 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.For all the terms and conditions related to the products and services advertised, reference should be made to the information sheet and advertising information forms and to the information documents required by the regulations in force, available in the Transparency section of the website and from the financial advisors authorised to offer products and services outside Fineco's offices. All products offered are reserved for Fineco account holders.

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 March 2023.

Versione italiana

Fineco UK

Pubblico Avviso alla clientela dei Comuni oggetto di ordinanza (v. all'allegato n. 1 al decreto del Presidente del Consiglio dei ministri del 23 febbraio 2020).

A testimonianza dell’attenzione verso la propria Clientela, Fineco ha deciso di intraprendere un’azione a favore dei Clienti che vivono nei Comuni coinvolti dall'emergenza Coronavirus – Covid19.

Fino al 15 aprile 2020 i titolari di mutui Fineco relativi a edifici ubicati nei comuni indicati nel decreto, possono richiedere la sospensione del pagamento delle rate di mutuo fino alla cessazione dello stato di emergenza (dichiarato per un periodo di 6 mesi dalla delibera del Consiglio dei ministri del 31 gennaio 2020).
Tale misura non comporterà alcun costo aggiuntivo né l’applicazione di interessi di mora.

E’ possibile contattare il numero verde 800.52.52.52 per reperire le informazioni necessarie al fine di attivare la sospensione del pagamento delle rate con decorrenza dalla prima rata utile successiva alla richiesta.

Si precisa che 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.Le rate sospese inizieranno a decorrere al termine del periodo di sospensione con corrispondente allungamento del piano di rimborso per una durata pari al periodo di sospensione stesso, mantenendo la loro attuale periodicità.