Cuáles son las hipotecas a tipo fijo más baratas del mercado

A number of financial institutions are offering the most affordable fixed-rate mortgages in the market. The spotlight is on the upcoming meeting of the European Central Bank (ECB), scheduled for Thursday, September 10. After raising interest rates by 25 basis points in June - bringing the interest rates to 2.25% - and pausing in July to assess the impact, many anticipate another upward movement that could push the cost of money to 2.50% next month.

In this context, many individuals are considering purchasing a home. One of the most common questions is whether to choose a fixed or variable-rate loan to avoid fluctuations in prices. In this scenario, securing a low and fixed interest rate offers an attractive advantage: even if the Euribor continues to rise, variable-rate mortgages will become more expensive during their next review, while a fixed-rate loan remains unaffected, regardless of circumstances, which is precisely why fixed-rate mortgage offers are gaining popularity again.

When looking for the cheapest fixed-rate mortgage in 2026, it's essential to know the Nominal Interest Rate (TIN), which is the fixed percentage paid as the cost of the loan. One of the most interesting options is Ibercaja's fixed-rate mortgage (Hipotea vaga fija), which finances up to 80% in the first home (70% in the second). The financed amount will be the lesser of the purchase price and appraisal.

It offers a TIN of 2.55%, requiring a high-salaried employment card, receipts, insurance cards, and insurance. Banca March, with its "Hipoteca Fija Avantio" offer, provides a TIN of 2.65% with an Equivalent Annual Rate (TAE) ranging from 3.01%. It requires a monthly income of over 2,000 euros and home and life insurance. Lastly, BBVA offers a TIN of 2.55% and a TAE of 2.60% under a discount reimbursement conditions.

Banco Sabadell, with its fixed-rate mortgage, offers a TIN of 2.75%. A high salary and several insurances are also required.