You would also like to save 300 euros per month on your mortgage payment without having to move house or revolutionize your life? Well, maybe you don't know it, but There is a legal and very powerful trick that few actually exploit. And it's called: surrogate.
INDEX
- Yes, you can also replace a fixed rate mortgage
- How long does it take and who pays?
- Why is it convenient to replace a fixed salary today?
- Quick checklist before leaving
- Switch to variable today, go back to fixed later: is it possible?
- A Smart Alternative: Mortgage with Switch Option
- How to do it operationally?
- Saving is not enough: increase your income too
✅ Yes, you can also replace a fixed rate mortgage
Thanks to the Bersani Law (Law 40/2007), you can transfer your mortgage from one bank to another without penalties, fees or complications. Technically it is called mortgage portability and is found in art. 120-quater of the Consolidated Banking Act.
The interesting thing? The current bank cannot oppose, even if you are paying regularly.
If you're wondering, it's not something you can do only once in your life. You can replace your mortgage as many times as you want, every time you find a better rate. The only limit is common sense and the fact that each bank, before accepting, will make a new assessment of your profile (income, property value and payment history).
⏳ How long does it take and who pays?
The mortgage subrogation to 2025 lasts on average between 60 and 90 days, but the law requires the original bank to complete it within 30 days from the request. If he delays, he risks a penalty of 1% per month on the residual capital.
And you know what's best? All costs (notary, appraisal, investigation) the new bank pays them. You you don't take out a single euro 🥳
🔢 Why is it convenient to replace a fixed salary today?
If you took out a fixed-rate mortgage in 2022-2023, you most likely got rates between 3.5% and the 4%. But in 2024-2025, the IRS (i.e. the parameter that regulates the fixed rates) fell to 2,6%-2,8%.
This means you could:
- go from a fixed 3.8% to a fixed 2.9%
- save up to 150 euros per month on a residual capital of 150-180,000 euros
With two well-made surrogates, the overall savings could exceed 300 euros per month.
🔎 Quick Checklist Before You Leave for Your Mortgage Subrogation in 2025
- Residual capital at least above 50,000 euros
- Difference of at least 0.5-0.7 percentage points between your current TAN and the new one
- Remaining duration of at least 10 years (the longer it is, the more you save)
⬆️ Switch to variable today, go back to fixed later: is it possible?
Yes, it can be done. You can now switch from fixed to variable to take advantage of Euribor down, and if rates were to rise again, block a fixed rate again with another surrogate.
🚨 But pay attention to these 3 details:
- Spread: check that it is low, otherwise the low Euribor is of little use
- Timings: a new subrogation takes 2-3 months; if rates rise quickly, you risk being stuck
- Banks' rating: too many surrogates in close proximity and the new bank might say no to you
🚡 A smart alternative: mortgage with switch option
Some banks, such as:
🏦 Credit Agricole; With the Flexi Option, you can switch from fixed to variable rate (and vice versa) up to 4 times, without having to redo the mortgage
🏦 I believe – Multiswitch Rate Mortgage; Allows you to switch between fixed and variable rates multiple times during the repayment plan. Includes 1 free switch option, with the option to purchase two more
🏦 Popular Bank of Puglia – Prontomutuo Switch Option; The “Prontomutuo” product includes the Switch Option which allows you to change the rate (fixed ⇄ variable) up to 3 times during the duration of the mortgage
🏦 Come true – Multiswitch Variable Rate Mortgage; It offers a “multiswitch” version of the variable rate, allowing multiple rate changes at the customer's discretion.
they offer the possibility of changing the type of rate without starting all over again.
🔹 Convenient, less stress, and more control. The rates may not be the lowest on the market, but you have the flexibility to adjust when needed.
📊 How to operationally do your mortgage subrogation in 2025?
- Collect your mortgage data: installment, TAN, APR, duration and residual capital
- Ask more quotes, even online (specifying that you want to surrogate)
- Check the real convenience with comparators or an Excel sheet
- Prepare documents: ID, pay slips, mortgage deed, etc.
- Sign the new contract in front of the notary (chosen and paid by the new bank)
🌊 Saving is not enough: increase your income too
Reducing fixed expenses like your mortgage payment is a great first step, but if you really want to improve your financial situation you need to act on the other side of the scale as well: the revenue.
One of the most effective and accessible strategies today is the Matched Betting: a mathematical method to earn money online by taking advantage of bookmaker bonuses, without risking anything (if you follow the rules).
✅ You don't need to be an expert in betting, it's not gambling and you're not "chasing luck". You're simply applying a logical, tested and replicable mechanism.
If you want to find out how this system works, we have published a complete guide right here on our blog.
📍 Read the full article: Secure Online Earnings with Matched Betting
✉️ Conclusion: use surrogacy, but with intelligence
There mortgage subrogation is free, repeatable and powerfully underrated. It can be the key to freeing up hundreds of dollars every month from your budget.
But be careful: each operation requires time, monitoring and a minimum of strategy. Follow the rate trend, evaluate the timing well and don't wait too long: favorable windows close quickly.
If you want a tailored opinion or a hand to understand if this is the right move for you, write to me.
Saving is just the first step… Using that money well makes all the difference.
Thank you for your attention
David Bottero
Co-Founder of Progetto Libertà
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