Finding the ideal mortgage can be a challenge for many, but mortgage brokers offer a shortcut to the best terms on the market.
With access to preferential offers, which are not usually included in the options for the general public, these professionals can obtain attractive loans, such as a fixed mortgage with an interest from 2.75% (2.96% APR) or a variable one from Euribor plus 0.49% (4.07% APR), both without linked products.
Of course, it is important to keep in mind that the conditions obtained depend largely on the client's financial profile, and may vary depending on their income and other characteristics. It is also necessary to consider that some brokers (although not all) charge fees, which can amount to up to 3,990 euros in fixed fee or represent a percentage of the mortgage capital, between 1% and 5%.
Given these costs, some choose to compare mortgages on their own. In that case, these are the best mortgages for February, according to HelpMyCash.
EVO Banco's fixed-rate Smart Mortgage stands out as one of the best commercial offers of the moment. Its 30-year interest rate is from 2.90% (3.39% APR), as long as it is accepted to domiciliate income and contract home and life insurance with the entity. If none of these products are contracted, the interest rises to 3.30% (3.58% APR).
In addition, the EVO fixed mortgage does not have opening fees or partial early repayment fees, although a 2% charge applies to the amount advanced in the case of full repayment (1.50% from the eleventh year). EVO Banco covers up to 80% of the lowest value between appraisal and sale of the primary home. If it is a second residence, the financing percentage drops to 60%.
As for the variable option, the EVO Banco Smart Mortgage offers a fixed interest of 2.30% during the first two years, and subsequently adjusts to the Euribor plus 0.48% (4.32% APR), provided that the income is domiciled and the home and life insurance proposed by the entity is contracted. If the requirements to access this bonus are not met, the initial interest is set at 2.70% and then changes to Euribor plus 0.88% for the rest of the term (4.52% APR).
Unlike the fixed type, this mortgage does not impose opening fees or total or partial early repayment fees, although it does maintain the same financing limits and terms.
Finally, Openbank's Open Mixed Mortgage is positioned as an attractive alternative for those seeking a balance between fixed and variable interest rates. With a 25-year interest rate of 2.74% fixed for the first ten years and Euribor plus 0.55% for the rest of the term (3.77% APR), this option requires the direct debit of income and the contracting of insurance. of home and life with the entity. If these conditions are not met, the interest rate rises to 3.24% for the first decade and to Euribor plus 1.05% thereafter, with an APR of 3.99%.
Similar to the previous ones, this mortgage does not include opening fees or partial early amortization fees, but it does establish a 2% charge on the amount advanced in the case of full amortization, applicable only during the first ten years of the life of the mortgage. Openbank offers financing of up to 80% of the lowest value between the sale or appraisal of the primary home and up to 70% if it is a second home. The maximum repayment period is 30 years in the first case and 25 years in the second.
