When your mortgage term ends, you have two options:

1. Repay:
You can terminate your existing mortgage and switch to another bank. This is called mortgage repayment and is often used to benefit from better conditions.

2. Extend:
Alternatively, you can extend your mortgage with your current bank. In this case, the interest rate and terms are renegotiated. We assist you with our expertise during the negotiations.

Be sure to check the notice periods for your current mortgage in advance — these vary depending on the lender and mortgage type.

Once we find a suitable follow-up offer for you, we also handle the timely termination according to the contractual conditions.

No, a full bank switch is not necessary. For interest payments, only a new transaction account is opened with the new bank — your existing account can be closed easily.

Generally, we need information about your financial situation, the property, and your current mortgage.

We are happy to advise you personally and provide a detailed list of the required documents.