Blog & Spain Mortgage Market Reports
Current views on the Euribor, Spanish mortgages and the Iberian property market. The blog offers market analysis, Euribor updates and concrete views on the Spanish and Portuguese property market, from 7 years of practice as a mortgage broker for non-residents. The Euribor pieces are deliberately dated month by month and are not updated afterwards.
Where do I find the current Euribor?
For the current Euribor and the live rate ranges from our own bank survey, see the evergreen overview mortgage rates Spain, which is checked quarterly. The Euribor pieces on this blog are deliberately dated month by month: each records the picture of its month and is not updated afterwards. The monthly commentaries stay as they are, on purpose.
Current articles
Market analysis, Euribor updates and concrete views on the Spanish and Portuguese property market — from 7 years of practice as a mortgage broker for non-residents.
The hidden broker mark-up on your mortgage
The agent pockets 0.7 to 1.1% of the loan for passing you to ‘his’ bank — buried in the rate, absent from the mandatory disclosure sheet. In one Portugal case, €71,770 too much.
Spain: same salary, less mortgage — why?
Not the rate, not the 35% rule: loan-to-value (70% vs up to 100%), purchase costs and the age cap decide how much you can borrow in Spain.
Euribor July 2026 — ECB hikes, Euribor eases
12-month Euribor around 2.76% — the spring rise did not continue. What that means for variable and fixed Spanish mortgages.
Euribor June 2026 — the ECB turn & your Spanish mortgage
12-month Euribor around 2.82%, the third month rising. The ECB raises rates for the first time in almost three years — what that means for variable and fixed Spanish mortgages.
Euribor May 2026 — Spanish mortgage for non-residents
12-month Euribor at 2.88% — rising. ECB signals for a rate increase. What that means for variable and fixed Spanish mortgages.
Spain 2026: €6.39 bn investment volume
Spain cements its position as Southern Europe's No. 1 property market. What that means for foreign buyers and non-residents.
Frequently asked questions
Are the Euribor pieces on the blog updated after publication?
No. The Euribor pieces are deliberately dated month by month. Each records the picture of its month and is not updated afterwards.
How often is the overview of mortgage rates in Spain checked?
The evergreen overview mortgage rates Spain shows the current Euribor and the live rate ranges from our own bank survey. It is checked quarterly.
Topic not covered?
We answer individual questions free of charge and in person.
Related pages
Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.