Mortgages and the Euribor, no fluff
Analysis and guides on the Spanish mortgage market, with official data and calculations you can reproduce in our calculators.
August 9, 2026
The Euribor closes July 2026 at 2.86%: highest since September 2024
Monthly Euribor analysis: the July average rises to 2.86% (2.855% in the official series), the highest reading in almost two years. What it means for your mortgage review and how to work out your new payment.
Read article →July 18, 2026
The ICO mortgage guarantee in 2026: extended to December 2027, with new income limits by province
Spain's ICO guarantee for first homes restarted on 19 June 2026 after six months on hold: extension to 31-12-2027, income limits by province of up to €63,000 and a €150,000 wealth cap. Updated requirements.
Read article →July 18, 2026
No-deposit mortgages in Spain in 2026: the real routes to 100% financing (and their fine print)
What actually works for a 100% mortgage with no savings in Spain in 2026: the ICO guarantee, regional guarantee schemes, banks' young-buyer mortgages, double collateral, pledged savings and bank-owned homes — with the risks of each.
Read article →July 14, 2026
Who pays the AJD stamp duty on a Spanish mortgage in 2026? The bank — and this is the law that says so
Since November 2018, the AJD stamp duty on the mortgage deed is paid by the bank by law. What the AJD is, the exact legislation, and what the buyer still pays.
Read article →July 10, 2026
Overpaying your mortgage: when is it better to reduce the payment and when to reduce the term?
Reducing the term saves far more in interest; reducing the payment gives you breathing room each month. With real numbers: which suits your situation and how to calculate it.
Read article →July 5, 2026
The Iran war and the Euribor. Should you worry if you have a variable-rate mortgage?
What happened to oil, inflation and interest rates after the Iran conflict, and why the Euribor moves (or doesn't) when a crisis erupts in the Middle East.
Read article →July 3, 2026
The Euribor closes June 2026 at 2.80%: what it means for your mortgage
Monthly Euribor analysis: the June average rises to 2.80%, marking several consecutive months of increases and making annual rate reviews more expensive. What to expect and how to calculate your new payment.
Read article →June 15, 2026
Fixed, variable or mixed mortgage: how each one works and which one suits you
Fixed, variable or mixed: discover how each type of mortgage works, its risks and advantages, and calculate your payment for free with Hipotecalc.
Read article →