Manage Your Mortgage Insurance
Mortgage Insurance Review
Your Insurance, Clear and Adapted to What You Really Need
The Importance of Insurance in Your MortgageYour Insurance, Clear and Adapted to What You Really Need
When taking out a mortgage, insurance is often part of the package. Whether to protect the home, payment capacity, or beneficiaries in case of death, these financial products are common and, in many cases, necessary.
However, each client has the right to review their conditions and assess whether they fit their real needs.
However, each client has the right to review their conditions and assess whether they fit their real needs.
Why Should You Review Linked Insurance?Your Insurance, Clear and Adapted to What You Really Need
Over time, insurance conditions may cease to be competitive or suitable.
By reviewing the associated insurance, your mortgage becomes more transparent, you may reduce your annual costs, you gain security with coverage adapted to your reality, and you can be sure that you are paying a fair price for your protection.
Reviewing them allows you to:
By reviewing the associated insurance, your mortgage becomes more transparent, you may reduce your annual costs, you gain security with coverage adapted to your reality, and you can be sure that you are paying a fair price for your protection.
Reviewing them allows you to:
Detect if there are surcharges in the premiums.Know if the contracted insurance is truly mandatory.Adjust coverage to the current needs of the family or business.Consider more advantageous alternatives in the market.Most Common Insurance Linked to Your MortgageImprove Your Mortgage and Gain Peace of Mind in Your Daily Life
- Home Insurance: Covers damage to the property and is the only one that banks can justifiably require.
- Life Insurance: Protects heirs in case of the holder’s death, although it is not always mandatory to contract it with the entity.
- Payment Protection Insurance: Ensures the payment of installments in case of unemployment or temporary incapacity.
At AvalTeca, we assess both options to recommend the most advantageous one according to your profile and objectives.
For Clients with an Active Mortgage
If you already have a mortgage, reviewing the insurance helps you regain control over your finances. Often, small adjustments in premiums or coverage can mean considerable long-term savings.
For Those About to Sign a Mortgage
If you are in the process of taking out a mortgage, knowing in advance which insurance policies are truly required and which are not will allow you to negotiate more confidently and avoid unnecessary commitments in the future.
How AvalTeca Helps YouOur Role is to Be by Your Side at All Times
Analysis
Analyze the insurance linked to your mortgage.
Classification
Determine which are mandatory and which are optional.
Comparison
Evaluate whether it is better to keep them with the bank or look for them independently.
Report
Present you with clear comparisons so you can make informed decisions.
Your opinion is the most important thing
Customer Testimonials
We were fortunate to have Jordi as our mortgage broker, and we could not be more satisfied. From the first moment he offered us a close, clear and professional treatment. He accompanied us throughout the mortgage process, resolving every doubt quickly and efficiently, and today we have been able to complete the purchase of our home thanks to his excellent work. Totally recommended!
Francisco José Copete García
A very good experience with the personalized treatment Jordi gives his clients, you quickly gain trust with him, as if he were your trusted friend. Many thanks to Finance Luxe Group for helping my wife and me get our dream home. 100% Recommended
Marc Manrique
We went to ask for information because we wanted to build our house with a mortgage. They have guided me in both the mortgage and the appraisal. Totally recommended, especially a special thanks to Jordi.
RT Abogados y Asociados
I want to thank you for all the advice I received to buy my first home. From the very first communication, Jordi was completely attentive to every detail, resolving all my doubts and accompanying me throughout the process. In less than 29 days, he arranged my mortgage with the best possible conditions. Most importantly, he showed me great responsibility, commitment, and professionalism. Don’t hesitate to ask him. People like Jordi are sorely needed in our society.
Alicia Franco
Thanks to their services we were able to have the mortgage at 90% with an interest rate of 2.25. Great professionalism and very attentive at all stages.
Rafa Morales Alguacil
Frequently Asked Questions (FAQs)
Si esta sección de preguntas más frecuentes no resuelve tus preguntas, no dudes en ponerte en contacto con nosotros.
Is it mandatory to take out insurance with the bank that grants the mortgage?
No. The bank may require the contracting of an insurance policy, but the client is free to choose the company.
What insurance policies are usually linked to the mortgage?
Home insurance (especially against fire) and in some cases life or payment protection insurance.
Can I change the insurance once the mortgage is signed?
Yes, as long as you maintain the minimum coverage required by the financial institution.
What are the benefits of reviewing my associated insurance policies?
Detect surcharges, improve coverage, and gain control over your personal finances.