Mortgage Comparator

Compare up to 3 mortgage offers including linkages to discover which one is truly cheaper. Calculate the real total cost and make the best decision.

Mortgage 1

Linkages

Mortgage 2

Linkages

Compare options

We've calculated all options. Discover which is the best mortgage for you, how much you can save, and the real impact of linkages.

Detailed comparison • Personalized recommendation • No commitment

How to use the comparator?

1. Enter basic data

For each mortgage, enter the bank name, amount, interest rate (APR), term, and mortgage type (fixed, variable, or mixed).

2. Add linkages

Mark the linkages required by each bank and adjust the monthly cost of each one. This is key to knowing the real cost.

3. Compare results

The comparison table shows you monthly payment, total interest, linkage costs, and the real total cost of each option.

4. Choose the best option

The comparator indicates which is the most economical option and shows you how much you would save compared to the other options.

Tips for comparing mortgages

  • •Don't be swayed only by the monthly payment. A mortgage with low payment may be more expensive if it has many linkages.
  • •Always ask for the non-discounted APR. This way you can compare if linkages are worth it or not.
  • •Life and home insurance can be contracted with another insurer (cheaper), although the bank will raise your interest rate.
  • •Also consider origination fees and formalization costs, which are not included in this calculation.

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Find out if you meet the 35% limit required by banks.

Preguntas Frecuentes

A mortgage with lower payment may cost you more if it includes mandatory linkages (insurance, cards, pension plans). Our comparator shows you the real total cost including all linkages throughout the life of the loan.
They are additional products that the bank requires you to contract to give you better conditions (lower interest rate). The most common are: life insurance, home insurance, payroll domiciliation, credit cards, and pension plans. Although individually they may seem cheap, they can add up to thousands during the life of the mortgage.
Legally yes, but the bank will apply a higher interest rate (discounted vs non-discounted differential). Sometimes it's worth paying more interest and not contracting linkages. Our comparator helps you calculate which option is better for you.
You can compare up to 3 mortgages simultaneously. This allows you to evaluate different offers from banks and choose the one that best fits your financial situation.
The results are indicative and based on the data you enter. The actual final cost may vary according to fees, formalization costs, and specific conditions of each bank. We recommend consulting with an expert to obtain personalized information.
In December 2025, with Euribor at 2.22%: **Fixed rate**: Ibercaja (2.15% APR / 3.10% APRC), Sabadell (2.50% / 3.33%), Openbank (2.42% / 2.82%). **Variable rate**: Kutxabank (E+0.49% / 2.98% APRC - the best), Sabadell (E+0.60%), Unicaja (E+0.55%). Use our comparator to see the real total cost including linkages.