How much do I save if I transfer my loan
Already have a mortgage? See how much you save by switching banks — after the repayment fee and the costs of switching — and how many months it takes to recover them.
The outstanding capital, which is on your bank statement.
Always compare the same term. Stretching the term lowers the instalment without saving anything.
Arrangement fee, valuation, deed, registering the new mortgage and cancelling the old one — around €900. Many banks cover part of it: if you already have an offer, enter its figure.
Instalment you pay today
Instalment on the new terms
25 years at 3%
Early repayment fee
Up to 0.5% on a variable rate — the legal maximum
New bank's costs
Stamp Duty on the new loan
A transfer is exempt up to the outstanding capital
You recover the costs in
Net saving to the end of the loan
After the fee and the costs of switching
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
If the saving pays, we handle the rest.
We ask several banks for offers, compare them with what you pay today, and only go ahead if you really come out ahead.
To use this simulator you need to know
- How much is left to pay on your loan
- How many years are left
- The instalment you pay today
- The rate you expect to get on the transfer
- Whether your loan is fixed or variable rate — it changes the fee for leaving
What this result includes — and what it does not
This result is indicative and is there to help you get your bearings. The final figures are confirmed by the bank and by the State services at the time of the transaction — and our credit adviser checks them with you, at no cost.
The early repayment fee has a legal maximum: up to 0.5% of the outstanding capital on variable-rate loans and up to 2% on fixed-rate ones. The calculator uses the maximum — your bank may charge less. It was suspended on variable rates until the end of 2025 and may be charged again since 2026.
The new loan pays no Stamp Duty up to the amount you transfer: switching banks on a mortgage is exempt up to the outstanding capital. If you borrow more than you owe, the excess is taxed.
The new bank's costs vary a lot, and many banks cover part or all of them to win the customer. The default figure is a reference — correct it with the offer you have.
The monthly saving is only real if the two instalments are comparable. Always compare the same term — stretching the term lowers the instalment and saves nothing.
Frequently asked questions
These almost always come next
How much it costs to buy a home
IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
Open simulatorWhat will my monthly instalment be?
The monthly instalment, the total interest and what the term does to both.
Open simulatorYour debt-to-income ratio and how much you can borrow
The debt-to-income ratio, the instalment that fits and the house price it reaches.
Open simulator