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  • Fineco Mortgage

    Wish to buy a new house? Ask for a mortgage directly online or with the help of a financial advisor.

    You already have a mortgage? bring it to Fineco, and reduce the mortgage payment.

    Need some cash? Ask up to €500,000 in cash secured by your home.

Choose the mortgage that suits you best

Fineco helps you realize your house project easily and with no worries.
You can choose the Fineco FIXED RATE Purchase Mortgage, in order to set one and for all the amount of the instalments, or the VARIABLE RATE Purchase Mortgage, so as to ensure that your instalments are always in line with market trends.

0.85%

  • Maximum amount granted up to 80% of the property value
  • From 10 to 25 years
  • Free fire and explosion insurance
  • Fineco Mortgage Policy
  • Ensures you a constant rate for the duration of the repayment plan, protected against interest rate increases.
  • No surprises to help you best plan your family budget.
  • The right rate for those who want to live their home-ownership project with peace of mind and establish their mortgage instalment amount once and for all.
  • Duration from 10 to 25 years.
  • It ensures you a rate always in line with the market.
  • The rate can change each month for the entire duration of the mortgage, according to changes in the benchmark.
  • The ideal rate for those who want to implement their home-ownership project benefiting from positive market movements.
  • Duration from 10 to 25 years.

Bring your old mortgage to Fineco. Reduce the rate at no cost and without any worries.
Chose the FIXED RATE Fineco Subrogation Mortgage in order to have constant instalments until repayment, or the VARIABLE RATE Subrogation Mortgage for instalments in line with market trends.

1.05%

  • No preliminary investigation and appraisal fees
  • No substitute tax
  • No notary fees
  • Free fire and explosion insurance
  • Fineco Mortgage Policy
  • It ensures you a constant rate for the duration of the repayment plan, protected from market increases.
  • No surprises to help you best plan your family budget.
  • Duration from 10 to 25 years.
  • The rate can change each month for the entire duration of the mortgage, according to changes in the benchmark.
  • The ideal rate for those who want to scrap the old mortgage, ensuring a lower installment always in line with the market.
  • Duration from 10 to 25 years.

Turn your house value into cash and make your projects come true. With Fineco Equity Loan, you can get up to €500,000 at FIXED RATE, to fix the amount of the mortgage payment once for all, or at VARIABLE RATE, to ensure you the instalment is always in line with market trends, thanks to the mortgage on your property.

1.05%

  • Fixed rate or variable rate
  • From €60,000 to €500,000
  • Up to 60% of the value of the property
  • Preliminary investigation and appraisal fees financed by Fineco
  • Ask for it directly online or with the help of a financial advisor
  • Free fire and explosion insurance
  • Optional and financed Fineco Mortgage Policy
  • It ensures you a constant rate for the duration of the repayment plan, protected from market increases.
  • No surprises to help you best plan your family budget.
  • Duration10, 15 or 20 years.
  • The rate that allows you to realise your important projects with peace of mind
  • The rate can change each month for the entire duration of the mortgage, according to changes in the benchmark.
  • The rate for those who want to realize their projects benefiting from positive market trends.
  • Duration: 10, 15 or 20 years.

Conditions valid for agreements entered before 31 May 2017.

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:

Further details

A mortgage with many benefits

  • Easy

    Apply for the mortgage loan directly online and follow the progress of the evaluation process from home thanks to online tracking.

  • Customised

    Fixed or variable rate? The first secures a constant rate over time, the second allows you to have instalments always in line with market trends.

  • Dedicated

    A dedicated mortgage specialist, always available, will help and follow you in all the mortgage application and evaluation steps until the signing of the mortgage agreement.

  • Protected

    Why take risks? Protect your projects and pursue your commitments with peace of mind thanks to the Fineco Mortgage Policy.

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.

MORTGAGES
Standard conditions valid for agreements entered before 31 May 2017.
Representative example of a 10-years Eurirs fixed-rate Purchase Mortgage of €100,000, with property value of €200,000, repayable in monthly instalments of €902.33 over 10 years, nominal APR 1.60%, effective APR 1.87%, including €250 of substitute tax, €700 of preliminary investigation fees, and €300 of appraisal fees. Total amount of credit: €100,000. Total amount due from the consumer: €109,279.75.
Representative example of a 10-years Eurirs fixed-rate Subrogated Mortgage of €100,000, with property value of €200,000, repayable in monthly instalments of €911.21 over 10 years, nominal APR 1.80%, effective APR 1.81%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit: €100,000 Total amount due from the consumer: €109,344.63.
10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.75% (applies to agreements entered into in May 2017).
Representative example of a 10-years Eurirs fixed-rate Equity Loan of €100,000, with property value of €200,000, repayable in monthly instalments of €911.21 over 10 years, nominal APR 1.80%, effective APR 2.08%, including €250 of substitute tax, €700 of preliminary investigation fees, and €300 of appraisal fees. Total amount of credit: €100,000. Total amount due from the consumer: €110,344.63.
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 (in case of a joint mortgage, the limit is extended to 80 years for one of the nominees). The granting of the loan is subject to the approval of the Bank which reserves the right to assess requirements and creditworthiness. Mortgage loan term: from a minimum of 10 years to a maximum of 25. Amount financed up to 80% of the property value, meaning the lower value between the purchase price and the appraisal.
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 and Equity Loan.

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