Home Loans Mortgage loan

Mortgage loan — real security

To unlock
the value of your assets.

From €30,000 to €1,000,000, over 5 to 20 years. Fixed APR from 2.50%, secured by a conventional mortgage.

2.50 %

Min. fixed APR

€0

Application fees

10 d

Statutory reflection period

Mortgage loan simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.

Why Calp

Four simple commitments, contractually upheld.

Fixed APR over 20 years

Rate guaranteed for the entire term of the loan. No indexation. Stable contractual monthly payment.

No application fees

No processing fees. Notary fees for mortgage registration disclosed in the offer.

Expert-led review

Property valuation by an independent expert. Decision within 7 business days of receiving a complete application.

Early repayment

Indemnity capped at 3% of outstanding capital, excluding the initial year.

Detailed terms

Real security,
secured financing.

Minimum amount€30,000
Maximum amount€1,000,000
Minimum term60 months (5 years)
Maximum term240 months (20 years)
Supporting documentTitle deed
Origination feesNotary registration fees
Borrower insuranceDeath and total disability recommended
Disbursement of fundsWithin 30 days of the deed
Early repaymentIndemnity capped at 3%
GuaranteeFirst-rank mortgage

Indicative fixed APR scale

Excluding insurance and notary fees. Updated 12 May 2026.

Borrowed amount	Term	APR
€30,000 — €100,000	10 years	2.90%
€100,000 — €250,000	15 years	2.75%
€100,000 — €250,000	20 years	2.90%
€250,000 — €500,000	15 years	2.60%
€250,000 — €500,000	20 years	2.80%
€500,000 — €1,000,000	20 years	2.50%

Representative example: for a mortgage loan of €150,000 over 15 years at a fixed APR of 2.75%, you repay 180 monthly payments of €1,016.44. Total cost of credit: €32,959. Excluding insurance and notary fees.

Why choose Calp for your mortgage loan

Four commitments for a controlled mortgage loan

Mortgage loans are a powerful but demanding tool: your property serves as security. Calp applies a responsible lending policy, with a strict debt-to-income ratio, a personalized study and included notarial support.

Real security, preferential rate

Mortgage registration on your property allows Calp to apply an APR significantly lower than an unsecured loan (typically 1.5 to 2 points less). For large borrowings or atypical profiles, it is often the only financing route.

High amount, long term

Up to 70% of the appraised value of the mortgaged property, over a term up to 25 years. This amplitude finances important projects: acquisition of a second property, heavy debt consolidation, wealth operation or business investment.

Controlled guarantee fees

Mortgage guarantee fees (notary, land publicity tax, conservator salary) represent about 1.5 to 2% of the borrowed amount. Calp integrates these fees in the financing plan and indicates lower-cost options (lender's privilege) where applicable.

Notarial support included

A Calp partner notary is provided to explain mortgage consequences, release conditions and resale implications. This support is free, with no billing beyond the legal act fees.

Eligibility criteria

Who can apply for a Calp mortgage loan?

The Calp mortgage loan is for owners of a free or partially mortgaged property, wishing to mobilize the value of their patrimony to fund a major project. The main condition is the appraised property value and income stability.

Age at subscription18 to 80 at last due date
Tax residenceEU, EEA or Switzerland
Minimum net monthly incomeEUR 2,200 / month
Employment statusAll statuses, self-employed accepted
Max debt-to-income ratio40% with mortgage security
Property to mortgageFull ownership or being repaid

Documents to submit with your application

PDF upload from your client area. Personalized study within 5 days, property appraisal within 15 days, disbursement after notarial deed.

ID and family status
ID or passport for each co-borrower. Marriage or civil partnership contract if applicable. Current proof of address less than 3 months old.
Title deed and property tax
Notarized deed of the property to mortgage, latest property tax, certificate of release of existing mortgages or amortization schedule for the current mortgage on the property.
Property appraisal
Two independent appraisals (estate agencies) or an expertise by a certified expert. Calp covers the official appraisal for files exceeding EUR 100,000.
Income and wealth documentation
Last three pay slips, last two tax notices. Self-employed: last two balance sheets. Statements of current and savings accounts, life insurance contracts, wealth tax declaration where applicable.
Project details and financing plan
Written description of the financed project (secondary acquisition, consolidation, investment, wealth cash flow). Consolidated financing plan with down payment, mortgage loan and any complementary loans.

Typical use cases

What is the Calp mortgage loan used for?

Mortgage loans mobilize the value of a property to fund a major project. Below are the four most frequent uses observed in 2025.

Acquisition of a second property

Purchase of a secondary residence, rental investment or property abroad, funded by mobilizing the main residence's value. 36% of files. Average amount EUR 185,000, term 20 years.

Debt consolidation with mortgage

Consolidation of an old mortgage (rate above 3%) with several consumer loans, mortgaged on the existing property. Aligns everything on a single lower rate. 28% of files. Average amount EUR 165,000.

Business or wealth financing

Acquisition of shares, capital increase, buyout of business assets by a director with personal real estate. 20% of files. Average amount EUR 145,000, term 15 years.

Wealth cash flow or donation

Mobilization of property value to give or lend to a child (real estate purchase, business creation), fund an early retirement or a long trip. 16% of files. Average amount EUR 95,000.

Frequently asked questions

Your questions, our answers.

Which properties can serve as security?

Any property free of mortgage or with an available rank: main residence, second home, buy-to-let or commercial premises.

What is the maximum financing ratio?

Up to 70% of the appraised value of the property, capped by repayment capacity.

What are the notary fees?

Mortgage registration (approximately 1.5% of the amount) plus notary emoluments. Exact amount disclosed in the offer.

Is the loan at fixed or variable rate?

Fixed rate only. No revision clause throughout the term of the contract.

What if I can no longer repay?

Mortgage allows Calp, in case of prolonged default and after formal notice, to proceed with forced sale of the property to repay the remaining capital. Calp systematically prioritizes amicable solutions: payment modulation, deferment, restructuring. Forced sale is the last resort, after at least 6 months of unpaid arrears not regularized.

What is the difference with a classical mortgage?

A classical mortgage funds the purchase of a property, secured by the same property. The mortgage loan funds a free project (purchase, consolidation, cash flow, business), secured by a property you already own. The mortgage loan is more flexible on the use of funds but requires you to own a property to mortgage.

Can I sell the mortgaged property during the loan?

Yes, but the sale requires the prior release of the mortgage, implying full repayment of the remaining capital from the sale proceeds. The release is conducted by the notary in charge of the sale. If you wish to transfer the mortgage to a new property (buy-resell), Calp offers a simplified substitution procedure, subject to appraisal of the new property.

Independent valuation,
a guaranteed rate.

No compulsory insurance, no forced account transfer, no complementary product.

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To unlock the value of your assets.