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Baremo

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Mortgages: the price and what it takes to get it.

Fixed, variable and mixed mortgages across the market, with every bonus turned into comparable requirements and the payment, total interest and total cost computed by the engine.

Products
116
Brands
29
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Research€200,00025 yearsWhole market
Fixed mortgages by APRLower is better
  1. 1AvantioHipoteca Fija Avantio3.009%Home insuranceLife insuranceIncome ≥ €4,000/month
  2. 2OpenbankHipoteca Open Fija3.41%Home insuranceLife insurancePayroll ≥ €900
  3. 3IbercajaHipoteca Fija Vamos3.49%Home insuranceFunds ≥ €75Life insurance
  4. 4Banco SabadellHipoteca Fija3.58%Home insuranceLife insurancePayment protection
  5. 5Caja de IngenierosHipoteca Fija3.606%Card spend ≥ €1,000/yrHome insuranceLife insurance
  6. 6Demo BankUsHipoteca Fija Demo3.62%Payroll depositedHome insurance+0.61 pp from the leader
  7. 7SantanderHipoteca Fija Bonificada3.65%Home insurance6 card payments/qtrPayment protection

What we measure

Critical attributes in the catalogue, with the same meaning at every bank.

From which documents

  • Pre-contractual information sheet
  • European Standardised Information Sheet
  • Product page and bonus conditions
  1. Rate type (fixed, variable, mixed)
  2. Nominal rate and APR, with and without bonuses
  3. Reference index and spread
  4. Bonuses: payroll, insurance, direct debits, card
  5. Maximum LTV and term
  6. Opening and early repayment fees
  7. Interest rate risk compensation
  8. Minimum and maximum amount
  9. Maximum age at maturity
  10. Subrogation and novation

Questions people ask

  • Which fixed mortgages are under 3.5% APR and what do they require?
  • What is the monthly payment on each fixed mortgage for €200,000 over 25 years?
  • How did spreads move over six months?

Frequently asked questions

How many mortgages products does Baremo cover?

116 products from 29 brands in the Spanish market, tracked daily from their official documents.

Does every figure have evidence?

Yes. Every approved value keeps the immutable capture of the document, the checked literal quote and its validity date.

Is this a consumer comparison site?

No. Baremo is a professional tool for the teams that set and analyse prices at banks, consultancies and investors.

See your market under the same yardstick.

A demo takes thirty minutes with your competitor set. We come with the questions your committee asked last week.