Renew mortgage
Fixed-rate period ending? Compare first, then renew.
Most mortgages are renewed with the existing provider — often at worse conditions than the market offers. If you compare before renewing, you negotiate from a stronger position or switch straight to the cheaper provider.
Request an offerWhy you shouldn't just sign the renewal offer
Your bank's renewal offer is rarely its best one — it counts on switching feeling like a hassle. In fact, renewing with a new provider is much simpler than a new mortgage: the property is known, affordability has been calculated, the mortgage certificate exists. Even a counter-offer noticeably improves your negotiating position.
How to proceed
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Compare conditions
Three details are enough: property value, existing mortgage and your preferred model — you immediately see which providers come into question.
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Obtain offers
With your dossier you request offers in a targeted way — from your current provider and from the competition.
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Negotiate or switch
With a counter-offer in hand you improve your conditions — or you switch to the better provider.
The right timing
Start comparing 12 to 24 months before your fixed-rate period ends: many providers offer forward mortgages that lock in today's rate for the future. The offers should be on the table no later than 3 months before expiry — otherwise the notice period decides for you.
Current indicative rates for renewals
These models are chosen most often for renewals — each with daily indicative rates from all providers:
Frequently asked questions about renewals
Can I simply switch providers when renewing?
Yes. When the fixed-rate period ends, you are free. The new provider pays off the existing mortgage and takes over the mortgage certificate — this is routine and involves little effort for you. Just make sure to observe the notice period of your current contract.
What is a forward mortgage?
With a forward mortgage you lock in today's interest rate for a mortgage that only starts in several months — depending on the provider up to 24 months in advance, sometimes for a small surcharge. This pays off if you expect rising rates.
Does affordability have to be recalculated for a renewal?
Usually not with your current provider. A new provider, however, reassesses affordability and loan-to-value — which is also an opportunity: if your property has gained value or the mortgage has been partially amortised, this improves your conditions.
What does the comparison via hypox cost me?
Nothing. Our fixed brokerage fee is paid by the provider, and it is the same for all of them — so we have no reason to steer you towards a particular provider. If a provider pays more, we pass the surplus on to you.
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Compare your renewal now
Three details, no registration — you immediately see which providers come into question for your renewal.
Request an offer