Refinance Your Mortgage and Pay Less

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Unlike wine and cheese, loans don’t get better with age—quite the opposite. Interest rates have fallen sharply in recent years. By refinancing to a new, lower-interest loan, you can therefore save a significant amount of money.

The Benefits of Debt Restructuring

When you take out a mortgage, it takes many years to pay it off in full. During that time, lending conditions can change significantly. As a borrower, you should therefore keep an eye on market trends throughout the entire term of the loan. If you find that interest rates are currently lower than those on your existing loan, you can save money by refinancing. In addition, refinancing through a a mortgage broker at B-Quadrat offers further advantages:

Positively Influence Your Credit Score

Credit bureaus generally view it as a positive factor when you have just one loan instead of several. Therefore, consolidating multiple loans through debt consolidation can have a positive impact on your credit score. The sharp rise in real estate prices also has a very positive effect on your credit score. Due to the much higher real estate prices, loan-to-value ratios—that is, the percentage of your loan debt relative to the property’s value—have improved significantly. A lower loan-to-value ratio results in a better credit score and, consequently, much better loan terms.

Adjust Loan Terms

If you refinance your loan with another bank or consolidate multiple loans, a new loan agreement will be drawn up. This gives you the opportunity to renegotiate the terms. Has your income situation improved significantly, so that you have more money available each month? If so, you can increase your monthly payment accordingly. This will shorten the term of your loan and allow you to pay it off faster. As a result, the total cost will automatically decrease. Of course, you can also extend the term or switch your loan products—for example, from a fixed-rate to a variable-rate loan or vice versa. Anything is possible! The loan brokers at B-Quadrat will be happy to help you develop a plan.

Home loan calculator

With our online loan calculator, you can compare various loan models from different TOP banks quickly, free of charge and without obligation and easily calculate the loan installment and the loan interest rate with the desired term.

Reasons to Choose B-Quadrat

When Is Debt Consolidation Worth It?

Whether debt consolidation is worth it depends on various factors. Essentially, there are three main factors.

1. How much money you still owe the bank (i.e., your remaining debt / balance)
2. How long your loan has left to run (i.e., your remaining term)
3. The interest rate you’re currently paying

The higher the remaining balance and the longer the remaining term, the greater the potential savings!

Reasons for Debt Restructuring

• Changes in Personal Life Plans
• Extension of the Fixed-Rate Period
• Improvement in the credit margin (bank’s markup) or interest rate terms
• Changes to Liquidity Planning
• Adjusting the Loan Term Based on Life Circumstances
• Restructuring with a View to Ensuring
• Minimizing Risk with Foreign-Currency Loans
• Reorientation as part of an expansion (e.g., renovation, modernization)
• Change in the Reference Interest Rate
• Improvement/Deterioration in Creditworthiness or Loan-to-Value Ratio
• Adjustment of the interest rate model based on personal risk tolerance (e.g., switching from a variable interest rate to a fixed interest rate or vice versa)

Debt Consolidation Is That Simple

1. Submit documents to B-Quadrat

As a first step, please send us your current loan agreements and the current balances (outstanding balances / remaining debt).

2. Review by B-Quadrat’s loan brokers

In the second step, our financing experts review your loan terms and calculate the potential savings you could realize by consolidating your debts, taking all costs into account.

3. In-person meeting with a financing expert from B-Quadrat

Together, we’ll discuss the potential savings from debt restructuring, the new financing plan (loan term, product types: variable or fixed, options for making extra payments, etc.), and how to implement it. We guide and support you throughout the entire process, meaning you’ll spend a manageable amount of time—about 3–4 hours—and, as a rule, achieve significant cost savings.

A Success Story of Debt Restructuring

In 2014, Lisa and Markus fulfilled their dream of homeownership and built their own home in Dornbirn. The home loan, in the amount of €400,000, was financed entirely by their primary bank.

The couple has since become a family with three children, making Markus the sole breadwinner. In 2021, the couple contacted the mortgage team at B-Quadrat with the goal of optimizing their existing loan—specifically, to reduce their monthly payments while also protecting themselves against rising interest rates.

Key details of the existing financing:
Loan amount: €400,000
Term: 35 years
Interest rate: 2.850% (fixed for 15 years)
Monthly payment: €1,571.68

The Solution

The housing experts at B-Quadrat worked with Lisa and Markus during a face-to-face meeting to develop financing solutions tailored to the family’s needs. The mortgage team then negotiated the terms of the suitable financing options with their partner banks. At the second meeting with the clients, the developed financing solutions were presented, and the decision was quickly made to go with the variable-rate loan.

Key details of the new financing option:
Term: 28 years
Interest rate: 0.95% (max. 1.95% through December 31, 2038)
Loan payment: €1,168.60 per month (max. €1,372.05 through December 31, 2038)

Significant Cost Savings & Increased Safety

Lisa and Markus were thrilled with the interest rate band loan solution! No wonder—not only did it drastically reduce their monthly payment—while keeping the remaining term the same—but it also significantly improved the security level, just as they had hoped:

The interest rate cap on the floating-rate loan, at 1.950%, is significantly lower than the existing fixed interest rate of 2.850%. In addition, the cap is valid through December 31, 2038—almost 10 years longer than the agreed-upon fixed interest rate on the existing loan.

Improvements in a nutshell:
Total savings of €135,434.88 (Calculation: Difference between the two loan payments × 12 × remaining term)
Monthly savings of €403.08
Interest rate reduction from 2.850% to 0.95%
Greater security thanks to the nearly 10-year extension of the interest rate hedge