The battle in the mortgage market begins! After the rate increases that occurred in 2023, which hindered hiring, banks have started the year with significant reductions in their mortgages. The list of entities that have improved their offers is long: EVO Banco, CaixaBank, Bankinter, COINC, Banco Sabadell, Unicaja, MyInvestor...
But which banks sell the best mortgages in February? According to the analysts of the financial comparator HelpMyCash.com, EVO Banco's offers are the cheapest at fixed and variable rates and Openbank's is the most competitive at a mixed rate, although there are entities that can improve them if the client is in a good situation. economic and negotiate.
EVO Banco and Openbank are the entities that, on paper, advertise the best mortgages on the market. Now, according to HelpMyCash, other banks that offer worse conditions a priori can considerably lower their offers if the client shows that they are very solvent and haggles.
For this reason, the comparator's analysts advise negotiating with as many banks as possible, since this way the client will have a better chance of getting better conditions. And if you do not have time to haggle with entities, you can entrust this task to a mortgage broker, who is a professional who is dedicated to “fighting” with entities to obtain the cheapest mortgage.
