Mortgage refinancing
Relax. Reduce. Refinance.
Competitive rates. Fast pre-approved offers. Remortgage your home the simple way.
Subject to credit check.
Competitive rates
Get a better deal for your home, with attractive rates. Borrow between €35,000 and €1,000,000 and spread your repayments across up to 30 years.
Subject to credit check.
Your costs, covered
We’ll handle the property valuation and notary process from start to finish, at no extra cost. With no issuance fees charged either, you can sit back and save.¹
¹ The initial bank may also apply early repayment or other fees. If the simplified refinancing procedure applies to you — the other bank will not charge fees, and Revolut Bank UAB will take care of receiving the documents.
Fast, pre-approved offers
Answer a few quick questions to check your eligibility and you could receive a pre-approved offer. In just a few taps, you’ll know your new rate — saving you time and hassle.
Subject to credit check.
Get an offer
Refinance in 6 simple steps
Submit your application and accompanying documents in-app. We’ll handle property valuations, notary appointments, and everything in-between.
| Get your pre-approved offer | Submit your application to see how much you can save on monthly repayments. | |
| Submit property information | Upload photos and details of your property, and we’ll take care of your property valuation. | |
| Sign the mortgage agreement | Review and sign your mortgage agreement documents. | |
| Get insurance | Contact your existing insurance provider and include Revolut as the beneficiary, or get a quote in minutes from our partner Lietuvos Draudimas. | |
| Sign the collateral agreement | Schedule a collateral agreement meeting in-app, and sign with our notary provider. | |
| Refinance your mortgage | Get notified when your mortgage transfer is complete. Then continue to manage everything in-app. |
Track your mortgage journey
Whether it’s submitting documents, viewing approvals, or just knowing what comes next, monitor your mortgage refinancing application in real time.
Looking for help? Start a chat or schedule a call with one of our local Revolut mortgage managers.
Manage everything in one place
Change repayment dates, update your account, make additional repayments, or access your statement — anytime, anywhere, free of charge.
FAQS
Apply directly through the Revolut app. If you don’t have it, download it and open an account. After that, check availability by applying directly.
A pre-approved offer shows the potential amount you’ll be offered and terms of your credit agreement, including your new margin. It is more accurate than the online calculators as we assess your individual situation, and can provide your conditional offer quickly in app. Subject to credit check.
The final offer or decision to grant credit may change after we assess collateral and/or if your financial situation changes. If anything changes between applying and receiving your pre-approved offer, or after receiving it, contact your dedicated mortgage manager and let them know. Pre-approved offers are valid for 60 days and can’t be extended. The terms of the final offer, and the decision to grant credit may change after we assess the collateral, or if there are any changes in your financial situation. Receiving a pre-approved offer doesn’t mean you have to accept it or sign the credit agreement.
Revolut doesn’t charge administration fees for issuing loans. We also perform the property valuation for you, and cover notary and pledge registration fees. You cover insurance costs, and your initial bank may apply fees if you aren’t eligible for a simplified refinancing process.
You’ll be eligible for a simplified refinancing flow if the loan amount, term, and pledged asset remain the same. You can only use a simplified refinancing process once every two years.
Revolut still covers all your fees, but — if you meet the criteria above — you should check with your bank regarding their fees.
Currently, we only offer a variable interest rate, and Revolut doesn’t charge any fees for partial or full early repayments. Those payments can be made at any point during the mortgage lifecycle in-app.
You can also change repayment dates, change the repayment account, and generate statements in-app instantly and at no cost.
Representative example
If you take out a home loan of €100,000 for a period of 27 years with an applicable variable annual interest rate of 3.82% (1.49% + 6-month EURIBOR) you will pay the loan instalments using the annuity method, which gives a total annual percentage rate of 3.90%. The total amount paid by you is €161,931.96 The total number of instalments is 324 and each monthly instalment would be €499.79.
The APR and the total amount paid by the credit recipient is calculated assuming that: the credit is disbursed on the day of signing the contract, and throughout the credit period, the terms of the contract, interest rate, and fees are not changed, and the terms of the contract are fulfilled on time. By not fulfilling the terms of the credit agreement, you risk losing the ownership right to the mortgaged real estate. Home insurance costs (property has to be insured through the whole loan period) are not known to the bank, so they are not included in the calculations.
A pre-approved offer is a preliminary non-binding offer based on your credit assessment. The terms of the final offer and/or the decision to grant or not grant credit might change after the bank assess the target assets (collateral) and/or if there are any changes in the financial situation of the borrower.