Mortgages
Compare the best mortgages options for freelancers and SMEs.
How to compare a mortgage
Comparison guide · 07/10/2026A mortgage finances a property and is guaranteed with it. Compare offers for the same amount and term, including the cost of the related products. An intermediary compares offers; the decision and approval are for the lender institution.
Para quién: People who buy housing or study changing their mortgage. The financing of a company's property requires a specific offer.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Amount requested, savings available, purchase value and valuation of the property.
- Proven income, activity age, tax returns and existing debts.
- Custom offer, pre-contractual documentation and conditions with and without bonus.
Costes que debes comparar
- TIN and TAE; fixed, variable or mixed type and duration of each tranche.
- Quota, total to return, insurance, valuation and products needed to bonus.
- Opening, amortization and change of conditions commissions where appropriate.
- Fixed rate
- The interest agreed on is maintained during the period provided for in the contract.
- Variable type
- Interest is reviewed according to the agreed reference and differential index.
- Mixed type
- Combine a fixed initial period with a variable interest period.
- Bonus
- A reduction in interest linked to additional requirements or services, the cost of which must be added.
- FEIN
- Document with the conditions of the custom mortgage offer.
- Value financing
- The relationship between the loan and the value considered by the institution; it does not presuppose to cover all the purchase.
Ten en cuenta
- A mortgage is not free but does not charge opening fee.
- The simulator does not guarantee or replace the institution's offer.
Quick answer
Banking savings, mortgages, loans and fintech. On Simplifico you can compare 10 products from 10 brands in Mortgages, such as Banco Santander, Banco Sabadell and CaixaBank. 10 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
Loading…