Extend or replace the mortgage: make the options comparable
This guide combines follow-up financing and bank changes. You compare terms, new interest rates and possible switching costs without artificially separating the two paths.
Can be used without an account; two suitable computers
Product preview
Change mortgage
What you can do
Key features
Compares existing conditions with a connection variant.
Classifies possible costs of early replacement.
Shows a rough break-even between savings and switching costs.
Helps to prepare running times and decision times.
How it works
Step by step
- 1
Record existing mortgage
Write down the remaining debt, interest rate, end of term and known contract rules.
- 2
Enter new variant
Compare interest rate, term and possible fees.
- 3
Compare costs
Check interest savings, switching costs and the point at which a switch could be worthwhile.
- 4
Obtain offers
Use the result as preparation for concrete discussions with banks.
What you need
Requirements
- Remaining debt, current interest rate and end of term.
- For a replacement, an estimate or offer of the switching costs.
Practical guidance
Helpful tips
- Start the comparison several months before the end of the term without committing yourself too early.
- Compare not only the interest rate, but also flexibility, fees and amortization rules.
Deliberate limits
What this tool does not do
- Only the previous bank can provide a binding figure for an early repayment penalty.
- New providers can assess the property and its affordability differently.
- Future interest rates cannot be reliably predicted.
Quick answers
Frequently asked questions
When is early redemption worthwhile?+
Only if the expected savings sufficiently exceed the switching costs and disadvantages. This requires concrete figures from the previous bank.
Can I move multiple tranches to different banks?+
This is often difficult because mortgages and contractual conditions interact. Have the specific case checked.