Pillar
Mortgages in Spain
This mortgages pillar covers key decisions for buying a home or improving your loan terms: fixed vs variable, term, and total cost.
Use these resources to compare scenarios with numbers and avoid expensive mistakes.
Featured reads
Recent articles
Young home buyer aid in Spain 2026: ICO guarantee requirements and limits
A practical guide to Spain's ICO first-home mortgage guarantee in 2026: who can apply, income limits, property caps, coverage, documents and deadline.
Spain young rent bonus 2026: requirements, amount and how to apply
A practical guide to Spain's 2026 young rent bonus: who can apply, how much it can pay, rent limits, duration, incompatibilities and regional application rules.
Euribor May 2026: how the 2.804% rate may affect your variable mortgage
The May 2026 Euribor rate reached 2.804%, up from 2.081% in May 2025. Estimate how the latest figure may affect your next variable mortgage review in Spain.
Spain rental extension 2026: what happened and what it means for tenants
Spain's emergency rental extension decree was struck down by Congress in April 2026. We explain what it included, how the repeal affects tenants, and what may come next.
Should you pay off your mortgage early when Euribor rises?
Paying off your mortgage early can save money on interest, but it is not always the best decision. Find out when it makes sense, whether to cut your payment or term, and what to check first.
What is Euribor and why does it go up or down
A simple explanation of what Euribor is, how it relates to ECB rates, and how it affects variable-rate mortgages in Spain.
Euribor in April 2026: what the latest official figure means for your variable mortgage
Even in April, the latest official mortgage Euribor published by the Bank of Spain is March 2026: 2.565%. See what it means for your next variable-rate mortgage review.
Complete guide to mortgages in Spain (2026): how they work and how to choose
Everything about mortgages in Spain: what they are, types (fixed, variable, mixed), costs, how much you can borrow and how to choose the best option in 2026.