Mortgage loan refinancing
In just a few minutes, find out whether you’re overpaying for your home loan and how much additional loan amount you can get!
Get an offer
Mortgage loan refinancing calculator
New monthly payment
Administrative fee
Processing fee
Free until June 30th
Estimated interest rate
APR (including EURIBOR)
Potential total savings
The calculator provides indicative results only. Each client’s situation is assessed individually, and the final offer’s interest rate may vary.
payments
loan
than ever
How to refinance?
but the refinancing process may take up to 1 month
What are the costs?
If you want a final offer and to sign a mortgage loan contract, the following costs apply:
- Ja vēlies gala piedāvājumu un noslēgt hipotekārā kredīta līgumu, jārēķinās ar šādām izmaksām:Loan application fee: 0.1% of the loan amount, but no more than 100 EUR (until June 30th, the processing fee is 0 €)
- Account opening and maintenance fee: from 0 EUR
- State fee for registering changes in the Land Register without additional amount: 0 EUR
- State fee for registering changes in the Land Register with additional amount: 0.1% of the additional amount
- Clerical fee for registering changes in the Land Register: 7,20 – 8 EUR
- Property valuation: We assess the necessity individually. We offer remote valuation, which costs around 150 EUR
- Notary services: from 140 EUR
Stories from our customers
Coming soon – new
mortgage loans !
mortgage loans
Want to be the first to know?
Questions and answers
How long does it take to refinance?
Most applicants, around 80%, receive their offers within 10 minutes. However, due to high demand, the preparation of an offer may take more time — yet even these offers are completed faster than the industry standard.
Meanwhile, the refinancing process can take up to a month, depending on how quickly the documents are prepared and how fast the involved parties respond. We will do our best to organize everything as smoothly as possible and will keep you informed about each next step.
Can I get an additional loan for renovation or other needs?
Yes, we consider granting an additional amount above the existing loan balance. This can be useful if you’re planning renovations, buying household appliances, or pursuing other financial goals.
The additional amount depends on the property’s value and your repayment capacity. We will assess your application and provide a personalized offer.
Can I take a mortgage loan for buying a home?
New mortgage loans coming soon!
We’re working on new loan offers – loans secured by real estate, for property purchase or construction, with competitive rates and flexible terms.
If you want to be the first to know, sign up for updates here.
What are the terms of the INDEXO contract?
We stand for clear and respectful relationships, and with that attitude, we have created the Mortgage and Loan agreements.
Here are sample versions (LAT): Mortgage Agreement and Loan Agreement.
What is additional loan?
This is additional money you can receive along with your mortgage refinancing – for example, for home renovation or other goals. The amount is added to your new mortgage loan under a single agreement, not issued as a consumer loan, which means more favorable terms.
The available amount of the additional sum depends on the value of your property and your income. If you choose to take an additional sum, the interest rate on the mortgage loan will also change.
Download and try it
