Compare like-for-like repayments
We’ll compare the same balance and remaining term. Extending a loan can reduce the payment but increase the total cost.
A change that needs to add up
Mortgage refinancing in Košice
Let’s work out whether a change makes sense after costs. A new rate or lower payment alone does not guarantee savings.
Calculate a mortgage switch
The cost of switching
The calculation includes one-off expenses and services tied to the new offer. We’ll check early repayment terms, including when the fixed-rate period is renewed.
- Balance, payment and the end of the fixed-rate period.
- Repayment, valuation and mortgage security.
- Account, insurance and other conditions.
Stay or switch banks?
We’ll compare the new offer with staying at your current bank. We’ll consider costs, any planned sale and the new approval process. Keeping your current mortgage may also be the outcome.
Housing budget
Estimated monthly payment
A model of an amortising loan with the same interest rate throughout. It is not a bank offer or an approval assessment, and excludes fees and insurance.
Model monthly payment
- Interest over the full term
- Principal + interest
The interest rate and payment may change when the fixed-rate period ends. For refinancing, add one-off costs and compare the same remaining term.
One point of contact. Directly with me.
Calculate a mortgage switch
I’ll call you and also send the specific options by email.
Martin Gago0950 638 350
[email protected]
By phone or online.
Platanová 404/5, 040 01 Košice
correspondence address only.
Let’s arrange a consultation.
* Both email and phone are required.
Questions before you decide
Good to know
Do I have to refinance when my fixed-rate period ends?
No. First, request the terms for staying and compare them with the available alternatives. Moving the loan is not automatically better value.
What if I only need a lower payment?
That is a valid goal too. We’ll still show whether changing the term increases the total cost and how it affects your budget.
Can I transfer a loan without a new assessment?
The new bank has its own terms and assesses the application. Neither the comparison result nor your payment history guarantees approval.
Information source: NBS – How to change a loan. This is a general explanation; we’ll discuss the specific terms during a consultation.