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    Switch your mortgage to BBVA

    Complete your calculation to see how much you could save by switching your mortgage to BBVA.

    Mortgage switching: all you need to know

    What does it mean to switch mortgage?

    Switching means transferring the mortgage from one bank to another. Switching usually means that the customer gets better loan conditions, without having to cancel the mortgage.

    This means you can benefit from a change in the terms and conditions of the transaction and/or the repayment term.

    Costs to switch the mortgage from another bank

    At BBVA, there is no fee for arranging the new mortgage loan. Remember that you will not have to pay management, notary or registration fees.

    However. if a new home valuation is required, you will have to pay for this.

    And you improve the interest rate on your mortgage loan

    When you switch your mortgage, you could:

    • Improve conditions, such as interest rate.
    • Change the mortgage rate, for example from variable-rate to fixed-rate.
    • Reduce the number of linked products.
    • Change the repayment period, adapting it to your preferences or circumstances. 

    And if your current bank charges you a fee for early repayment of your mortgage loan, you can finance it.

    Do you belong to a professional collective?

    Ask us if the company, agency or organization you belong to has special conditions, and find out if we can improve the terms of your mortgage by switching it to BBVA.

    Plus, now, you can get 300 euros.

    Learn more here

    Do you want to bring your mortgage to BBVA?

    By switching your mortgage to BBVA, you could benefit from advantages that you didn't have before. Find out what we can do.

    Do your calculation

    If you have already decided, follow these steps

    • Calculate your repayments
      Find out how much you could save by switching.
    • Choose your mortgage
      You can choose the one that best suits you: fixed-rate or variable-rate.
    • Complete the information
      Fill in the form with the details we need and submit the application.
    • We will contact you
      A BBVA adviser will contact you to make the change.

    And if you want to talk to someone, we'll call you

    At BBVA, we have helped thousands of people get their mortgage. And if you need to talk with our team, fill in the form below and we will get in touch with you.
    Go to form

    We can answer all your questions

    What different types of switch are there?

    • Main types of switch
      • Switching credit lenders: switching the mortgage from one bank to another. Normally, the customer gets better loan conditions, without having to cancel the mortgage and formalize a new one.
      • Switching debtor: the mortgage holder is changed. The buyer of a mortgaged property agrees with the seller to take over their mortgage.  The bank can choose whether or not to switch to the new debtor, and to do this it will carry out a risk assessment.

    What are the requirements for switching mortgages to BBVA?

    • Conditions for requesting a lender switch
      • Financial stability is essential. 
      • In addition, it is recommended that the amount outstanding does not exceed 80% of the value of the property.

    Do I have to request authorization from my bank to switch my mortgage?

    • You do not need your bank's consent
      To switch your mortgage to BBVA, all you have to do is make a request through our mortgage switching calculator. Once we have talked with you and approved the request, the legal process of switching lenders will begin. 
    Can we help you?
    Subrogation of Mortgage
    Do your calculation