{"id":1825,"date":"2026-10-07T13:44:37","date_gmt":"2026-10-07T11:44:37","guid":{"rendered":"https:\/\/kyhcapital.com\/?p=1825"},"modified":"2026-10-08T10:15:38","modified_gmt":"2026-10-08T08:15:38","slug":"mortgage-for-moving-house-in-girona","status":"publish","type":"post","link":"https:\/\/kyhcapital.com\/en\/hipoteca-para-el-cambio-de-casa-en-girona\/","title":{"rendered":"Mortgage for moving house in Girona: how to sell and buy without paying two mortgages"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Mortgage for moving house in Girona: how to sell and buy without paying two mortgages<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

If you're thinking of moving house in Girona and you still have a mortgage, you're probably asking yourself the same question as almost all of our clients: What should I do first, sell or buy?<\/em> And right behind it comes the second one: What happens to my current mortgage in the meantime?<\/em><\/p>

Let's explain it straight. In this guide, we'll tell you how a... mortgage for moving house<\/strong>, What options do you have, and how can we coordinate everything so that selling your current home and buying the new one go smoothly? (If you're searching in Catalan, it's called...) mortgage change of house<\/em>, It's exactly the same thing: changing homes when you still have an outstanding mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tI want to get advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

What happens to your mortgage when you want to move house?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Your current mortgage is tied to your current home. It doesn't "transfer" to the new house: when you sell, that debt is paid off with the sale proceeds, and to buy the new house you need a new mortgage (or use the remaining proceeds from the sale as a down payment).<\/p>

What you have left after selling and paying off your mortgage is the foundation of your new purchase. Here's a rough example, using round numbers and before expenses and taxes: if you sell for \u20ac250,000 and have \u20ac100,000 left on your mortgage, after paying it off you'll have around \u20ac150,000 that you can use for the down payment and closing costs of your new home. The clearer this figure is from the start, the better you can plan how much financing you actually need.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Why it's a good idea to know your exact debt before you start<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Your bank can issue you a certificate showing the exact outstanding balance as of a specific date. This is the figure used on the day of signing to pay off the mortgage, and it also allows you to calculate how much money you'll have left over. Keep in mind that paying off a mortgage early may incur an early repayment fee: the law limits this fee, and the limit depends on the interest rate and when you signed the mortgage, so it's advisable to check with your bank before setting any dates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The three ways to change houses with a mortgage in Girona<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

There isn't just one way to do it. These are the three we found, with their advantages and risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Buy before you sell<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

You buy the new house while your old one is still on the market. It sounds convenient, but it means the bank has to finance the new home while the old mortgage is still active, which requires ample credit or a bridging loan. Plus, you're paying for two properties at once, and if the sale drags on, you'll face pressure to lower the price to close the deal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Sell before you buy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

You sell first, pay off the mortgage, and then buy with the freed-up money. It's the most financially secure option, but it requires you to figure out where you'll live in the interim between the two transactions, and with the urgency of finding a house before that window runs out.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Selling and buying in a coordinated manner at a notary's office<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

This is the method that works best for us in practice: synchronizing the sale and purchase so they are signed consecutively, at the same notary's office, and on coordinated dates. This way, there's no waiting period, no two mortgages at the same time, and everyone\u2014buyer, seller, and banks\u2014is on the same page. We'll explain this method step by step below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tI want to get advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

How we coordinate the sale and the new mortgage at the notary's office, step by step<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

It's a coordinated operation that requires a high level of administrative precision. This is how we handle it at KyH Grand Capital:<\/p>

  1. First, the sale of your current home is signed.<\/strong><\/li>
  2. The money from that sale will be used to pay off the old mortgage.<\/strong>, with the exact amount shown on the bank's debt certificate.<\/li>
  3. Once the old mortgage is paid off, the mortgage for the new property is registered.<\/strong>, which is what allows the purchase to be completed.<\/li>
  4. The purchase of the new home is signed<\/strong> and you receive the keys.<\/li><\/ol>
    \u00a0<\/div>

    For this to go smoothly, everything mentioned above must be prepared before the signing day: the new mortgage reviewed and approved by the bank, the documentation for both properties in order, and the sale and purchase dates perfectly aligned. Furthermore, by law, the bank must provide you with the pre-contractual documentation for the new mortgage well in advance of the signing, so the timeline needs to be planned from the beginning, not at the last minute.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

    \n\t\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t

    What does the bank finance in the new mortgage?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t

    Each bank assesses your case differently, but typically they will finance up to a certain percentage of the lower value between the purchase price and the appraised value of the new property. You cover the rest with what you have left over from the sale of your previous home and your savings. That's why it's so important to calculate how much your sale will free up before you start, and not take it for granted.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

    \n\t\t\t\t\t

    What can go wrong when moving house with a mortgage (and how to avoid it)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t

    When buying and selling are linked, a delay in one affects the other. These are the points where transactions become most complicated:<\/p>