Mortgage
Is your mortgage expiring? Start six months ahead.
A fixed-rate mortgage has an expiry date, and reaching it without having compared anything means accepting your own bank's offer. With a few months' notice you have more room to compare, negotiate and decide calmly. We show you what to check and in what order.
Three things to do before expiry.
Check, compare, negotiate: the method we use with our clients.
01 · Check the expiry date
Know when it expires and what the contract says.
What it is, how it works, who it is for
What is it?The expiry is the date on which the fixed-rate period ends, as stated in the contract with the bank. At expiry the mortgage must be renewed, renegotiated or repaid. Notice periods vary from bank to bank and are written in the contract.
How does it work?We gather the contract and the bank's latest communications and check the dates and notice periods. That way you know from when you can act and how much time you have to decide without rushing.
Who is it for?For those whose mortgage expires in the next twelve or eighteen months.
02 · Compare the offers
Not just the rate: also term, flexibility and conditions.
What it is, how it works, who it is for
What is it?The rate is only part of the offer. The term, the possibility of renewing early, the amortisation conditions and any additional costs also matter. There are fixed-rate, variable-rate and market-rate (SARON) mortgages, with different advantages and risks.
How does it work?We present your file to the banks and lenders best suited to your profile and compare real offers, not list-price tables. We show you what changes in the instalment and in the risk between the different solutions.
Who is it for?For those who want to understand whether it is worth staying with their own bank or considering an alternative.
03 · Check affordability
Banks recalculate, and it pays to arrive prepared.
What it is, how it works, who it is for
What is it?When you change bank, the new institution assesses the affordability of the mortgage again using its own criteria, based on a prudent theoretical rate higher than the real one, plus maintenance costs and amortisation. If your income or situation has changed, the result may differ from when you bought.
How does it work?We reconstruct your income, assets and pension with you and simulate affordability before submitting the request, so you know in advance whether the change is possible.
Who is it for?For those whose situation has changed in the meantime, for example with a new job, a child or a reduced income.
04 · Amortisation and third pillar
How to reduce the debt, and with what effect on taxes.
What it is, how it works, who it is for
What is it?The second mortgage, as a rule, must be amortised within fifteen years until the debt is reduced to two thirds of the property value. Amortisation can be direct, with periodic repayments, or indirect, with payments into pillar 3a pledged to the bank.
How does it work?We compare direct and indirect amortisation in terms of taxes, interest and pension, and build them into the new financing plan.
Who is it for?For those who want to reduce the debt while keeping good tax and pension management.
Let's talk six months ahead.
Tell us when your mortgage expires: we start from there.
The role of TiAssicuro. For the brokerage and recommendation of the mortgage, TiAssicuro may receive remuneration from the bank or lender chosen, details of which you can request at any time. Terms, rates and conditions depend on the contract and on each institution and may change. The information on this page is for information purposes only and does not constitute tax or legal advice or an offer.
Mortgage
Is your mortgage expiring? Start six months ahead.
A fixed-rate mortgage has an expiry date, and reaching it without having compared anything means accepting your own bank's offer. With a few months' notice you have more room to compare, negotiate and decide calmly. We show you what to check and in what order.
Three things to do before expiry.
Check, compare, negotiate: the method we use with our clients.
01 · Check the expiry date
Know when it expires and what the contract says.
What it is, how it works, who it is for
What is it?The expiry is the date on which the fixed-rate period ends, as stated in the contract with the bank. At expiry the mortgage must be renewed, renegotiated or repaid. Notice periods vary from bank to bank and are written in the contract.
How does it work?We gather the contract and the bank's latest communications and check the dates and notice periods. That way you know from when you can act and how much time you have to decide without rushing.
Who is it for?For those whose mortgage expires in the next twelve or eighteen months.
02 · Compare the offers
Not just the rate: also term, flexibility and conditions.
What it is, how it works, who it is for
What is it?The rate is only part of the offer. The term, the possibility of renewing early, the amortisation conditions and any additional costs also matter. There are fixed-rate, variable-rate and market-rate (SARON) mortgages, with different advantages and risks.
How does it work?We present your file to the banks and lenders best suited to your profile and compare real offers, not list-price tables. We show you what changes in the instalment and in the risk between the different solutions.
Who is it for?For those who want to understand whether it is worth staying with their own bank or considering an alternative.
03 · Check affordability
Banks recalculate, and it pays to arrive prepared.
What it is, how it works, who it is for
What is it?When you change bank, the new institution assesses the affordability of the mortgage again using its own criteria, based on a prudent theoretical rate higher than the real one, plus maintenance costs and amortisation. If your income or situation has changed, the result may differ from when you bought.
How does it work?We reconstruct your income, assets and pension with you and simulate affordability before submitting the request, so you know in advance whether the change is possible.
Who is it for?For those whose situation has changed in the meantime, for example with a new job, a child or a reduced income.
04 · Amortisation and third pillar
How to reduce the debt, and with what effect on taxes.
What it is, how it works, who it is for
What is it?The second mortgage, as a rule, must be amortised within fifteen years until the debt is reduced to two thirds of the property value. Amortisation can be direct, with periodic repayments, or indirect, with payments into pillar 3a pledged to the bank.
How does it work?We compare direct and indirect amortisation in terms of taxes, interest and pension, and build them into the new financing plan.
Who is it for?For those who want to reduce the debt while keeping good tax and pension management.
Let's talk six months ahead.
Tell us when your mortgage expires: we start from there.
The role of TiAssicuro. For the brokerage and recommendation of the mortgage, TiAssicuro may receive remuneration from the bank or lender chosen, details of which you can request at any time. Terms, rates and conditions depend on the contract and on each institution and may change. The information on this page is for information purposes only and does not constitute tax or legal advice or an offer.