Branch registered for the exercise of banking and financial activities, related to the provision of investment services and insurance mediation in Portugal with the relevant national supervisory authorities. Bankinter, S.A. - Branch in Portugal is registered with the Bank of Portugal under n.º 269, with the Portuguese Securities Market Commission (CMVM) under n.º 369 and with the Insurance and Pension Funds Supervisory Authority (ASF) under n.º OV-0028.
Switching banks is the first step
At Bankinter, change means lowering your monthly payments.
Transfer your mortgage and take the first step toward a stable payment that won’t weigh on your life.
For greater convenience, you can transfer your mortgage to Bankinter 100% digitally, assisted by a specialist through BK Habitação Online.
Conditions
APR: 4,1%*
Fixed Rate of 3,10%, if you prefer the stability of a 25-year Fixed Rate, assuming subscription and maintenance of Life Insurance, Multi-Risk Insurance, and salary domiciliation with Bankinter.
APR: 3,7%
Spreads from 0,65%, applicable to loans with a Variable Rate, assuming subscription and maintenance of Life Insurance, Multi-Risk Insurance, and salary domiciliation with Bankinter.
Useful Information
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Desplegar/Plegar texto legal
Example for a 30-year-old consumer | Financing of €150.000 for transfer of credit for purchase of primary residence secured by a mortgage on the property | Appraisal Value of €187.500 (or LTV of 80%) | 30-year term | Annual home insurance premium of 236,25€.
Variable rate
APR (TAEG) without associated optional sales 4,5% - Variable annual nominal interest rate of 3,747% (Euribor 12 months of april 2026 of 2,747% and base spread of 1,000%) | Total initial costs of €1.281,20 | Average annual life insurance of €254,28 | 360 monthly instalments of €694,42 | Total amount charged to the consumer of €268.503,53.
APR (TAEG) with associated optional sales 4,1% - Variable annual nominal interest rate of 3,397% (Euribor 12 months of april 2026 of 2,747% and contracted spread of 0,650%) | Total initial costs of €1.281,20 | Average annual life insurance of €249,08 | 360 monthly instalments of €664,97 | Total amount charged to the consumer of €257.747,08.
Pricing conditions valid for credit proposals submitted until 31st may 2026.
This information does not exempt you from consulting the legally required pre-contractual and contractual information available from the Bank. APR calculated in accordance with Decree-Law No. 74-A/2017, of 23 June. The applied interest rate (nominal rate) may assume negative values depending on the evolution of the respective index. Subject to credit risk assessment.
Full reimbursement of credit transfer costs. The early repayment fee to be paid to the originating credit institution is reimbursed up to a maximum amount of 0.5% of the transferred amount.
Example for a 30-year-old consumer | Financing of €150.000 for transfer of credit for purchase of primary residence secured by a mortgage on the property | Appraisal Value of €187.500 (or LTV of 80%) | 30-year term | Annual home insurance premium of 236,25€.
Fixed Rate
APR (TAEG) without associated optional sales 4,7% - Fixed annual nominal interest rate of 3,800% | Total initial costs of €1.281,20 | Average annual life insurance of €415,40 | 360 monthly instalments of €698,94 | Total amount charged to the consumer of €274.963,63.
APR (TAEG) with associated optional sales 4,3% - Fixed annual nominal interest rate of 3,450% | Total initial costs of €1.281,20 | Average annual life insurance of €406,86 | 360 monthly instalments of €669,94 | Total amount charged to the consumer of €264.069,99.
Pricing conditions valid for credit proposals submitted until 31st may 2026.
This information does not exempt you from consulting the legally required pre-contractual and contractual information available from the Bank. APR calculated in accordance with Decree-Law No. 74-A/2017, of 23 June. The applied interest rate (nominal rate) may assume negative values depending on the evolution of the respective index. Subject to credit risk assessment.
Full reimbursement of credit transfer costs. The early repayment fee to be paid to the originating credit institution is reimbursed up to a maximum amount of 0.5% of the transferred amount.
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Your Bankinter Partner Branch
Hours: Monday to Thursday from 9:00 AM to 6:00 PM
and Friday from 9:00 AM to 4:00 PM.
Contact us at:
211 158 255*
*Calls to the national landline network. The cost of the call depends on the rate you have agreed with your telecommunications operator.