Banks are beginning to make their fixed mortgages cheaper. After the freezing of the European Central Bank’s rates and the beginning of the decline in the Euribor, some entities have dared to reduce the interest on these products, which had been rising for almost two years. It is, therefore, a good time for those who want to finance the purchase of their home with a mortgage loan of this type.
But which banks have the best offers on the market? According to the financial comparator HelpMyCash.com, the most competitive fixed mortgages a priori are those of Banco Santander, COINC (an online brand of Bankinter) and BBVA, although the client can negotiate more attractive prices with other entities if their profile is good.
According to HelpMyCash, these three proposals are the best commercial offers that banks advertise through their communication channels. Even so, there are entities that may be willing to propose even more competitive conditions if the applicant’s economic situation is very good: if they earn a high income, have a very stable job or have a large volume of savings, for example.
For this reason, the comparator’s analysts advise the client to negotiate with as many banks as possible, either on their own or with the help of a mortgage broker. In this way, your chances of getting a good fixed mortgage will be even higher.
