Mortgage loans
Your property. More possibilities.
Unlock its potential with a loan that fits your plans.
Why Credipass?
We help you find a mortgage that fits both your goals and your financial situation.
Expert guidance
Expert guidance-tailored financial strategies based on your situation.
Market comparison
We compare multiple banks so you don’t have to.
Faster process
Less paperwork, more clarity, quicker decisions.
Better conditions
Access to exclusive bank offers and partnerships.
Our partners
Trusted banking partners behind every successful solution
Why Credipass?
Explore your options beyond a single bank
We compare offers from several financial providers to help you make a clearer, more informed choice.
A smoother path to receiving your funds
We coordinate the steps so you know what comes next and what you’ll need.
A well-prepared application
We review the key requirements and documents in advance, so you face fewer surprises at the bank.
More banks, a meaningful comparison
We look beyond interest rates, comparing the total cost and key contract terms.
Fewer costly mistakes
We flag potential pitfalls early to help you avoid unnecessary expenses or delays.
About the mortgage
What should you know about mortgages?
- 1
A mortgage is built for long-term housing goals
Whether you're buying,building, renovating, or refinancing, mortgages are designed specfically for property-related needs — making them more suitable than general-purpose loans.
- 2
Higher amounts, longer commitment
Mortgages typically involve larger loan amounts and longer terms (up to 20–30 years), secured by the property itself.
- 3
Lower rates, but big differences
Because of the collateral, mortgage rates are usually more favorable than unsecuredloans. However, conditions, interest rates, and monthly payments can vary significantly between lenders.
- 4
Choosing well makes a real financial difference
Even small differences in terms can result in substantial savings over the lifetime of your loan — or unnecessary extra costs.
- 5
This is where Credipass adds value
Our independent experts compare the market for you, highlight the real differences, and help you find the solution that works best for your situation.
How does the process work?
From your first calculation to successful disbursement, our experts guide you through every step of your mortgage journey.
- 01
- Start a calculationFind out how much you can borrow.
- 02
- Get in touchFill out the form and one of our financial experts will call you back.
- 03
- Free consultationWe present you with the best available offers.
- 04
- Start your applicationPre-qualification and full support throughout the process.
- 05
- Successful disbursementYou receive your loan and move forward with your plans.
Requirements
What might you need for a successful application?
- 1
Regular, verifiable income
You’ll need a regular income that meets the bank’s requirements.
- 2
A suitable property as security
The property must meet the bank’s requirements for value, condition and legal status.
- 3
Affordable monthly repayments
Your income must cover the new loan repayments alongside any existing loans.
- 4
A good credit history
Keeping up with your repayments and having no overdue debts helps strengthen your loan application.
- 5
A deposit when buying a home
For a home purchase loan, you’ll also need a deposit, usually at least 20% of the purchase price.
- 6
Complete documentation
Required documents may include proof of income, bank statements and property documents.
Ready to run the numbers?
Get a quick overview of available offers with our free calculator.
Start building your financial future today
Discover how much cash you have in your home and ways you can access it
Questions and answers
Clear answers to the most common mortgage questions, so you know what to expect before taking the next step.
A mortgage is a long-term loan secured by a property, typically used to buy, build, or renovate a home. You repay the loan in monthly installments over an agreed period, including interest. If the loan is not repaid, the lender has the right to sell the property used as collateral.
In most cases, you will need a minimum deposit of 10–20% of the property value. The exact requirement depends on the country, the bank, and your financial profile. A higher deposit can help you access better interest rates.
The amount you can borrow depends on: your income and employment stability, existing debts and financial commitments, the value of the property, country-specific regulations.
Banks typically apply affordability rules to ensure your monthly payments remain manageable
Banks typically apply affordability rules to ensure your monthly payments remain manageable
While requirements vary by country and lender, you will usually need: proof of income (salary slips or tax returns), employment verification, bank statements, identification documents, property-related documents (if already selected). A mortgage advisor can help you prepare everything correctly.
The process typically takes 2 to 6 weeks, depending on the complexity of your case, the lender, and how quickly documents are provided. Pre-approval can often be obtained faster.
Fixed rate: your interest rate (and monthly payment) stays the same for a defined period or the entire loan term.
Yes, most mortgages can be repaid partly or in full before the end of the term. The lender may charge an early repayment fee, so it is worth checking the conditions first.
Yes. If your circumstances or market conditions change, refinancing could reduce your monthly payments or secure better terms. Our experts can help you compare the costs and potential savings.
No. We compare available mortgage offers and help you find the one that best fits your income, plans and financial situation.
In many cases, mortgage brokerage is free for clients because the lender pays the broker’s commission. Your Credipass expert will explain any potential costs clearly before you proceed.
Yes, although lenders may request additional documents or apply different assessment criteria. We help you identify the banks most open to your type of income.
Depending on the country and lender, additional costs may include valuation, legal, administrative, insurance and registration fees. We help you understand the full cost before you make a decision.
Contact your lender as soon as possible. A missed payment may result in extra charges and affect your credit history, but acting early gives you more options to find a solution.
A stable income, manageable existing debts, sufficient savings and accurate documentation all strengthen your application. Pre-qualification can also help you spot potential issues before applying.
Look what our clients say about us
You won't be the first to put your plans in our hands. See how we've helped others move forward with clarity and confidence.
“Segítőkész, szakmai tudása kiváló. ”
“Kedves , segítőkész és mindig felkészült . Tapasztalataim alapján a legjobb értékesítő akivel találkoztam . ”
“Szinte az égiek közreműködését éreztük, amikor Stóka Andreát megismertük. Gyors, precíz, korrekt, megbízható, ugyanakkor az emberi tulajdonságai révén is szimpatikus. Maximálisan képviseli az ügyfelek érdekét. Rövid idő…”
“Köszönjük Gajdácsi Zsófi munkáját! Maximálisan meg voltunk vele elégedve! Össze hozta a lehetetlent!”
Take your plans further with solutions designed for you
Your financial plans deserve expert car. Credipass is here for make every step towards your goal feel safe, simple and well-informed.
Latest in mortgages
Fresh insights, practical tips and expert guidance to help you understand your mortgage options and make your next move with confidence.