There is no universal best mortgage, only the best one for your profile. We give you the criteria to get it right and save thousands.
Mortgages · Updated January 2026 · 6 min read
Choosing a mortgage in 2026 comes down to three options. The difference between getting it right or not can exceed €20,000 over the life of the loan.
A stable payment throughout the life of the loan. Ideal if you prioritise peace of mind and expect rates not to fall much. It usually starts with a slightly higher rate.
Referenced to the Euribor plus a spread. It can become cheaper if the Euribor falls, but you take the risk of it rising. For profiles that tolerate uncertainty.
An initial fixed tranche (e.g. 5-10 years) and then variable. It combines initial stability and later flexibility; it's the fashionable option for many buyers.
Look at the APR (not just the nominal rate), the fees and the tied products (insurance, cards) that make the mortgage more expensive. Compare them in our best mortgages table and, if you buy, coordinate it with our mortgage broker.
It depends on your risk tolerance and horizon. Fixed gives stability; variable can become cheaper if the Euribor falls; mixed combines both. We analyse your profile to recommend the best one.
The nominal rate is the pure interest; the APR also includes fees and costs, so it reflects the real cost. To compare mortgages you must look at the APR.
We compare the market and negotiate with the banks for you. Free, personalised study.