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
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
A mortgage with many benefits
Apply for the mortgage loan directly online and follow the progress of the evaluation process from home thanks to online tracking.
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.
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.
Why take risks? Protect your projects and pursue your commitments with peace of mind thanks to the Fineco Mortgage Policy.
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 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.
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.
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.