Mortgage Transfer
Less Worry. More Freedom to Dream!
What Is a Mortgage Transfer and How Does It Work?
A mortgage transfer involves moving your existing mortgage from one lender to another.
It is a straightforward and fully legal process that can help you secure better terms and conditions, although it requires careful analysis and negotiation to achieve the best outcome.
Key Benefits
- Reduce your interest rate (spread or APR)
- Lower your monthly mortgage repayments
- Extend the loan term to ease pressure on your household budget
- Consolidate loans, accounts and credit card balances into a single solution
- Eliminate unnecessary costs and charges
At Maxfinance Dream, we help families reduce financial commitments, reorganise their finances and achieve greater peace of mind. We provide dedicated support throughout the entire process and handle everything on your behalf, at no cost to you.
Get Your Free AssessmentWhen Is It Worth Transferring Your Mortgage?
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When your monthly repayments are placing too much pressure on your household budget
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When your life insurance and home insurance premiums are expensive
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When your current lender is no longer offering competitive market conditions
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When your interest rate is higher than those currently available in the market
Associated Costs and How to Avoid Them
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Property valuation fee (for mortgage transfers)
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Early repayment fee (up to 0.5% of the outstanding loan balance, subject to applicable regulations)
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Notary and registration costs
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Mortgage arrangement and processing fees
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During specific promotional campaigns, it may be possible to transfer your mortgage without incurring any of these costs. At Maxfinance Dream, we help identify and negotiate these opportunities to maximise your savings.
FAQs
A transferência exige nova avaliação do imóvel?
Sim, o banco exige avaliação atualizada para garantir o valor de garantia.
Tenho de pagar comissão de amortização antecipada ao banco atual ?
Sim, muitos contratos preveem comissão de amortização antecipada, especialmente em contratos com taxas fixas.
Posso transferir em qualquer momento ?
Sim, desde que cumpra os requisitos do banco novo como, perfil de crédito, solvência, seguros e avaliação.
Contact Us
Fill in the form below and a Maxfinance Dream Credit Manager will contact you.
No obligation. No fees. No cost to you.