During the life of the loan that we entered into several events can happen.
For example:
If the rate we pay is too high you can ask your financial institution has the opportunity to renegotiate the terms of the loan disbursed, for example, the type of rate (fixed, variable etc.,) the duration, the spread (ie the gain of the bank) always through the notary, given that the mortgage remains home but revises the public act.
Then if the relationship with your bank are not as good, you can transfer the mortgage to another institution, without having to pay additional fees or penalties through the portability of extinguishing the old mortgage, signing the new one on different terms according to the proposals of the bank entering, maintaining the home mortgage.
It 'always good to explore these topics on the site of your bank, Bank of Italy or on the websites of consumer associations.