from 2.80 %
Refinancing
You replace a current mortgage with a new one, generally when market rates have fallen since the original signing.
What is your project?
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 10 lenders compared
Your simulation
Mortgage
Your project
Refinancing your home
Drag the sliders, or click the pencil to type the amount or term directly.
€1,417.99
your monthly repayment
- Amount borrowed
- €250,000
- Term
- 20 years
- Borrowing rate
- 3.25 %*
- APR
- 3.33 %
- Total cost of credit
- €90,317
- Total amount payable
- €340,317
- Number of monthly repayments
- 240
* This is an average representative rate. A simulation is not binding: a broker from the office will call you back as soon as possible with a comparison in figures. Rate subject to conditions, valid on October 21, 2026 for a mortgage loan with an 80 % loan-to-value ratio, subject to acceptance of your application and after signature of your mortgage loan agreement. Indicative rates, not contractually binding, subject to the lender's acceptance of the application. The final rate depends on your project and your situation. The APR shown includes administration and valuation fees, but not the premiums for insurance that the lender may require (outstanding balance, fire). Be aware: borrowing money also costs money.
Our partner lenders
Useful if
- 1Your current rate is well above market rates.
- 2You want to know whether the saving covers the reinvestment fee and costs.
- 3You want to change your type of rate.
What changing loans costs
Repaying a loan early gives rise to a reinvestment fee (indemnité de remploi), which the contract must expressly provide for and which cannot exceed three months of interest. It applies only to the capital repaid early.
The total goes beyond the fee alone, as the list below shows.
- The reinvestment fee: at most three months of interest.
- The release (mainlevée) of the old mortgage, whose cost depends on the amount registered.
- A new notarial deed with a new mortgage registration.
- The administration and valuation fees of the new loan.
- Any adjustment to a life insurance policy tied to the old loan.
Your current lender first
Since 10 June 2024, a lender can no longer charge a reinvestment fee when you refinance with it.
It can also offer a rate cut, or a new loan without releasing the old mortgage. Ask it first, then compare with the others.
Is it really worthwhile?
The rate does not tell the whole story. Compare the saving on the monthly repayment and on the total cost with all the fees included, and see after how many years it pays them back.
If you plan to sell the property before then, the operation may never pay off. We do this calculation with your lender’s settlement statement in hand.
- Transparency at the heart of our commitment!
- Your monthly repayment, your borrowing rate and your APR are shown before you leave any details behind. Your contact information comes after, if you want to take things further.
- We compare, you choose!
- A bank offers you its own loans. We work with ten lenders: we compare their terms for your file and show you who accepts it, and on what terms.
- One point of contact through to signing!
- The same person looks after your case from the first call to the signing. They explain every condition before you sign.
What our clients say…
Read all reviews on GoogleJe suis très satisfait des services de Monsieur Bayram qui est un excellent courtier. Il fait vraiment tout pour ses clients et est très efficace dans les dossiers de crédits hypothécaires tout en restant réaliste. Je vous le recommande de tout coeur et les yeux fermés !
Cicek
Un grand merci à M. Bayram et à toute l'équipe de LR Finances pour leur professionnalisme. M. Bayram nous a aidé dans notre dossier et a veillé à ce que tout se passe bien jusqu'au jour de la signature du contrat d'achat. Mon épouse et moi sommes très satisfaits du professionnalisme de M. Bayram et nous le recommandons en toute confiance à ceux qui souhaitent acquérir un bien immobilier.
Sutu Mihai
Je tiens à remercier Mr Bayram pour son professionnalisme et son attitude rassurante. Il a vraiment fait un excellent travail pour nous, malgré un dossier très complexe. Je le recommande à 100%
Rucyahana Eric
Protecting your project
- Home insuranceFire, water damage, theft. Required by the lender when you borrow for a property.
- Outstanding balance insuranceIt protects your family: in the event of death, the insurance repays the remaining capital in your place. Most lenders require it.
Our partner insurers
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
If I repay only part of the loan, does the fee apply to the whole capital?
No, it applies only to the part of the capital repaid early.
How do I find out the exact amount to repay?
The lender draws up a statement: outstanding capital, any accrued interest and the reinvestment fee. You request it from your lender, often through the notary.
Does the old mortgage disappear by itself?
No, it is released through a mainlevée, whose cost depends on the amount registered.
Does a simulation commit me to anything?
No. It commits you to nothing, remains confidential and does not affect your record at the National Bank. You can run as many as you like.
How much does using a broker cost?
We are paid by the lenders and insurance companies, in the form of commissions, not by you. The details are given to you before signing.
What happens after I submit my request?
A broker will call you back as soon as possible. They will pick up your simulation, present your case to the lenders and show you who accepts it, and on what terms.
