Mortgage Loan — Up to €500,000 | SOFIES
Your property as a financial lever. Mortgage-backed loan up to €500,000 over 25 years, free to use.
2.5%
APR from — Competitive fixed rates
€500,000
Maximum loan amount available
25 years
Flexible repayment duration
Your property, your leverage.
The SOFIES mortgage-backed loan lets you mobilise up to 70% of your property value. Major works, investment, debt consolidation — no need to justify how you use the funds.
The property guarantee secures preferential rates and extended terms up to 25 years for controlled monthly payments.
Loan terms and features
Loan Amount
Up to €500,000
Up to 70% of property value
Repayment Term
From 5 to 25 years
Long terms for reduced payments
APR
From 2.9% APR*
Preferential rate secured by mortgage
Security
Mortgage
Secured against property value
Why choose this loan?
- High amounts : Up to 70% of property value as collateral
- Preferential rates : Advantageous conditions thanks to real security
- Long terms : Up to 25 years for reduced monthly payments
- Total freedom : No justification for use of funds required
- Tax benefit : Interest potentially tax-deductible depending on situation
Eligibility criteria
Borrower conditions
- Must be owner of the mortgaged property
- Regular and sufficient income
- Available borrowing capacity
- Maximum age 70 at loan end
Property conditions
- Property free of mortgage or lightly encumbered
- Minimum value €150,000
- Property valuation mandatory
- Home insurance required
Required documentation
Personal documents
- Identity documents of all borrowers
- Proof of address
- Last 3 pay slips
- Last 2 tax assessments
Property documents
- Title deed or notarised act
- Planning certificate
- Recent mortgage status
- Property tax last year
Financial documents
- Last 3 bank statements
- Amortisation schedule of current loans
- Asset statements
- Rental income proof
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal information
- *APR : Example : for €100,000 over 15 years at 3.1% APR, 180 payments of €694, total €124,920 (credit cost : €24,920).
- Mortgage : Conventional mortgage registered against the property.
- Fees : Notary and mortgage registration fees at your expense.
- Valuation : Property assessment by approved expert mandatory.
- Discharge : Automatic mortgage removal after full repayment.
Unlock the Value of Your Property.
Get the funds you need backed by your real estate
