Contact
Fixed rate mortgage
From 2,60%
Interest rate
Up to 80% of purchase
Value
30 years
Duration
Life and home insurance. Salary account.
Requirements
Intermediated mortgage financing by FINANCIALPAR S.L.U., with head offices in Barcelona and registered in the Register of Credit Intermediaries under no. 72 of the Banco de España (Bank of Spain). Team qualified under the Property Credit Law (LCCI, for its Spanish acronym). Consult conditions, requirements, rebates and commitments. External expenses may be incurred, such as appraisal fees.
Intermediated mortgage financing by FINANCIALPAR S.L.U., with head offices in Barcelona and registered in the Register of Credit Intermediaries under no. 72 of the Banco de España (Bank of Spain). Team qualified under the Property Credit Law (LCCI, for its Spanish acronym). Consult conditions, requirements, rebates and commitments. External expenses may be incurred, such as appraisal fees.
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What is a fixed mortgage?
Fixed mortgages are those that have an interest rate which does not vary throughout the whole duration of the loan. This is an advantage for people who wish to have stability in their mortgage payments.
People who prefer their interest rates not to vary tend to lean towards this option. On the other hand, however, fixed mortgages have a higher annual percentage rate (APR) than variable mortgages. Yet, the big advantage is that, no matter how many years you choose to pay back your credit, this monthly sum will not vary, which means that you’ll always be able to predict your personal finances. You can even do so a year in advance, since it won’t be affected by Euribor or other added aspects that can affect variable mortgages.
NIR, APR, differential, fixed, variable? We explain it all in your language
Advantages of a fixed mortgage
Among many other advantages, fixed mortgages stand out for not changing their monthly payment amount throughout the whole loan duration. This means that you can effectively organise your everyday finances:
“RN Tu solución hipotecaria’s” fixed mortgage:
No variations in the monthly payment
Ability to make better predictions for your household finances
Shorter repayment periods
Payroll direct debit
life and home insurance
What is the cheapest fixed mortgage?
This is not a very accurate concept, since there is no answer that fits all cases. It depends on whether the potential customer fulfils various requirements. Thanks to our vast experience in the mortgage industry, our aim is to offer you the best possible fixed mortgage for your customer profile, and we always advise you with your best interests in mind. This is so that, in your specific case, you can indeed get the cheapest possible mortgage.
When can we say that a mortgage is cheap?
The best answer we can give you is a little obvious, but it makes complete sense. The ‘cheapest’ fixed mortgage for you is one which has a monthly payment that you can handle. The way to know this is, ideally, when your debt-to-monthly income ratio does not exceed 30%, with 35% being the maximum recommended value. The good thing about a fixed mortgage is that it allows you to estimate this aspect more accurately for the whole duration of the loan.
What should you keep in mind when securing a cheap mortgage?
Cheap fixed mortgages aren’t a product that are easy to come by, since the market is very competitive and varies from month to month. This means that banking establishments intermittently opt more for one mortgage type or another. However, generally speaking, it is important to analyse the market in detail and gain an in-depth knowledge of the conditions. We at RN Tu solución hipotecaria are here to help you.
How do you get the best mortgage?
By knowing the mortgage market inside out, since there is an abundance of ever-changing offers. Having a good grasp of this allows us to find the best product for each profile. Not only this, being capable of doing so in an agile and transparent way has also proven to be key.
The best fixed mortgage for your situation
The best fixed mortgage for your situation
Here at RN Tu solución hipotecaria, we want to avoid confusing our customers by stating categorically that we offer the best fixed mortgage in terms of interest rate, since this piece of data varies depending on each case, what is on offer, and the period of time. What we can say is that we are committed to the truth and the transparency of information we offer, and we don’t really like the term ‘best’ due to its imprecise connotations. We are confident that we are able to offer the best possible service for your specific case, and that we have a human team that will guide our customers towards the best possible opportunities within our reach. The fixed mortgage we will offer you will have a very good interest rate. Thousands of processed mortgages and happy customers after years of experience attest to this.
Our fixed mortgage in 2022
Our fixed mortgage in 2022
Over the course of 2022, hundreds of customers were able to fulfil their dream of buying the house they were after, thanks to our mortgages. Here at RN Tu solución hipotecaria we are committed to the mortgage market, and that’s why we’re celebrating, since in 2022 we have been one of the leaders as far as securing mortgages is concerned. This is possible thanks to our human team, always striving to offer the best experience to the customer, from customer support all the way up to loan paperwork.
Over the course of this year, we have worked on and updated our online service, specially designed for customers who, for different reasons, are unable to visit our offices. This allows us to manage the whole mortgage process remotely. It all begins with a form on our website, and ends when you’re handed the keys.
The future fixed mortgage in 2023
The future fixed mortgage in 2023
Thanks to our extensive knowledge of the mortgage market, we are able to remain at the forefront and constantly improve. Fixed mortgages in 2023 are set to evolve as a highly demanded product that has an interest rate that is likely to rise. 2023 will (once more) be a year of great challenges ahead, which will also most likely affect fixed mortgages and their interest rates. However, there will always be interesting options on the market, just like the ones we’ve always been able to offer our customers. Since starting out in the industry in 1999, we’ve gone through tough times, but we’ve always powered through.
Your loyalty and trust is what allows us to remain in a privileged position in the fixed mortgage market. May 2023 be the year for RN Tu solución hipotecaria to strengthen its position in the online market and progress in terms of customer management and support, providing proactive guidance to help you in all your needs.
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