📌 30-Second Summary

Find the best mortgage in October 2025:

Best Fixed Rate: 2.95% with bonuses

Best Variable: Euribor + 0.49%

Best Mixed: 2.85% first 3 years

Database: +20 banks updated daily

Key: The "cheapest" mortgage isn't always the best. You need to consider fees, flexibility and real conditions beyond the advertised rate.

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How to Use This Comparator

Our comparison methodology:

✅ What we analyze:

• Nominal rate (TIN) and APR
• Opening and maintenance fees
• Required products (insurance, cards, payroll)
• Early repayment penalties
• Refinancing/transfer flexibility

Example comparison:

Bank A:

• Variable: Euribor + 0.50%
• No fees
• No required products
• Real APR: 4.25%

Bank B:

• Variable: Euribor + 0.60%
• €300 fee
• Requires home insurance + card
• Real APR: 4.45%

Result: Bank A is better despite having slightly higher nominal rate.