{"id":5931806,"date":"2025-07-15T09:02:10","date_gmt":"2025-07-15T11:02:10","guid":{"rendered":"https:\/\/www.lacasa-dashaus.com\/the-interest-in-switching-mortgages-to-another-bank\/"},"modified":"2025-07-15T09:02:10","modified_gmt":"2025-07-15T11:02:10","slug":"the-interest-in-switching-mortgages-to-another-bank","status":"publish","type":"post","link":"https:\/\/www.lacasa-dashaus.com\/en\/the-interest-in-switching-mortgages-to-another-bank\/","title":{"rendered":"The interest in switching mortgages to another bank"},"content":{"rendered":"<h2 data-start=\"121\" data-end=\"214\">Interest in switching mortgage banks reactivates to get better conditions<\/h2>\n<h3 data-start=\"216\" data-end=\"234\">Introduction<\/h3>\n<p data-start=\"235\" data-end=\"544\">During the second quarter of 2025, many Spaniards have seriously started to consider switching their mortgage to another bank. The reason? The gradual drop in interest rates by the ECB \u2014now at 2%\u2014 has sparked interest in improving conditions and gaining financial stability.<\/p>\n<p data-start=\"235\" data-end=\"544\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-3778364\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-1024x574.jpg\" alt=\"interest switch mortgage bank\" width=\"648\" height=\"363\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-1024x574.jpg 1024w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-300x168.jpg 300w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-768x430.jpg 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-1536x861.jpg 1536w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-2048x1148.jpg 2048w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/01\/keys-house-model-mortgage-loan-papers-desk-150x84.jpg 150w\" sizes=\"(max-width: 648px) 100vw, 648px\" \/><\/p>\n<hr data-start=\"546\" data-end=\"549\" \/>\n<h3 data-start=\"551\" data-end=\"611\">\ud83d\udd0d Why are more people looking to switch their mortgage now?<\/h3>\n<p data-start=\"613\" data-end=\"891\">In recent months, there has been an increase in the number of people looking to move their mortgage to another bank. Subrogations have grown to account for 4.5% of new operations, a figure not seen for more than half a year.<\/p>\n<p data-start=\"893\" data-end=\"1183\">Applications have also increased: in June alone, 7.3% of mortgage requests were for subrogation. This trend is no coincidence. With a more stable Euribor, many see the perfect opportunity to switch to a safer product, such as a fixed-rate mortgage.<\/p>\n<p data-start=\"1185\" data-end=\"1429\">In fact, three out of four people who changed banks this spring chose that type of interest. Mixed-rate mortgages are also gaining ground, although to a lesser extent, while variable rates have been almost entirely ruled out.<\/p>\n<p data-start=\"1185\" data-end=\"1429\"><img decoding=\"async\" class=\"aligncenter size-large wp-image-2064278\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-1024x683.jpg\" alt=\"interest switch mortgage bank\" width=\"828\" height=\"552\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-1024x683.jpg 1024w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-300x200.jpg 300w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-768x512.jpg 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-1536x1024.jpg 1536w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-2048x1365.jpg 2048w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-150x100.jpg 150w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/businessman-hand-hold-banking-business-finance-graph-invest-stock-market-investment-point-economic-growth-investor-concept-analysis-virtual-stock-market-chart-analyze-by-use-technology-488x326.jpg 488w\" sizes=\"(max-width: 828px) 100vw, 828px\" \/><\/p>\n<hr data-start=\"1431\" data-end=\"1434\" \/>\n<h3 data-start=\"1436\" data-end=\"1479\">\ud83c\udfe6 How are banks responding?<\/h3>\n<p data-start=\"1481\" data-end=\"1740\">Financial institutions have responded quickly. There are already banks offering fixed-rate mortgages with a nominal interest rate (TIN) close to 2%. Some even lower, with attractive conditions that appeal to those seeking stability and more affordable payments.<\/p>\n<hr data-start=\"1742\" data-end=\"1745\" \/>\n<h3 data-start=\"1747\" data-end=\"1789\">\ud83d\udccd Where is interest in switching highest?<\/h3>\n<p data-start=\"1791\" data-end=\"2042\">Madrid leads the ranking of applications, followed by <a href=\"https:\/\/web.gencat.cat\/\">Catalonia<\/a>, Andalusia, and the Valencian Community. In these areas, those looking to subrogate are usually people with stable incomes and some financial margin to renegotiate their debt.<\/p>\n<p data-start=\"2044\" data-end=\"2245\">Specifically, applicants from Madrid report average incomes of around \u20ac4,600\/month, well above the national average, making it easier for them to negotiate new conditions with other institutions.<\/p>\n<hr data-start=\"2247\" data-end=\"2250\" \/>\n<h3 data-start=\"2252\" data-end=\"2284\">\ud83d\udcc8 What\u2019s happening with the Euribor?<\/h3>\n<p data-start=\"2286\" data-end=\"2524\">After many months of uncertainty, the 12-month Euribor remains stable at around 2%. This has lowered payments on many variable-rate mortgages, but also made fixed-rate ones very attractive again.<\/p>\n<p data-start=\"2526\" data-end=\"2721\">Forecasts suggest it will stay within that range \u2014and could even drop slightly by year-end\u2014, further reinforcing the confidence of those looking to switch to a more secure mortgage.<\/p>\n<p data-start=\"2526\" data-end=\"2721\"><img decoding=\"async\" class=\"aligncenter size-large wp-image-1839052\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-1024x683.jpg\" alt=\"interest switch mortgage bank\" width=\"828\" height=\"552\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-1024x683.jpg 1024w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-300x200.jpg 300w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-768x512.jpg 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-1536x1024.jpg 1536w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-2048x1365.jpg 2048w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-150x100.jpg 150w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2024\/08\/construction-concept-with-engineering-tools-488x326.jpg 488w\" sizes=\"(max-width: 828px) 100vw, 828px\" \/><\/p>\n<hr data-start=\"2723\" data-end=\"2726\" \/>\n<h3 data-start=\"2728\" data-end=\"2765\">\ud83e\udded Is it a good time to switch?<\/h3>\n<p data-start=\"2767\" data-end=\"3001\">According to experts, yes. Although we\u2019re still far from the subrogation boom of 2023, the trend is clear: more and more people are comparing offers and considering switching banks to pay less and sleep more peacefully.<\/p>\n<p data-start=\"3003\" data-end=\"3244\">Switching mortgages can not only mean significant savings but also a way to protect oneself from future rate hikes. If you signed your mortgage a few years ago and think you could get better terms, now might be the perfect time.<\/p>\n<div id=\"attachment_568458\" style=\"width: 630px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-568458\" class=\" wp-image-568458\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1.webp\" alt=\"Costa Brava real estate agency\" width=\"620\" height=\"104\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1.webp 978w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-300x50.webp 300w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-768x129.webp 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-150x25.webp 150w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><p id=\"caption-attachment-568458\" class=\"wp-caption-text\"><a href=\"https:\/\/www.lacasa-dashaus.com\/en\/property-listing\/\">Costa Brava Real Estate<\/a><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Interest in switching mortgage banks reactivates to get better conditions Introduction During the second quarter of 2025, many Spaniards have seriously started to consider switching their mortgage to another bank. The reason? The gradual drop in interest rates by the ECB \u2014now at 2%\u2014 has sparked interest in improving conditions and gaining financial stability. \ud83d\udd0d&#8230;<\/p>\n","protected":false},"author":3,"featured_media":2064278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1153],"tags":[],"class_list":["post-5931806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Interest in changing mortgage bank - Real Estate Lloret de Mar - La Casa Das Haus<\/title>\n<meta name=\"description\" content=\"Interest in switching mortgage banks is growing: subrogations at 4.5%, fixed-rate mortgages near 2%, and Euribor at 2%.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lacasa-dashaus.com\/en\/the-interest-in-switching-mortgages-to-another-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The interest in switching mortgages to another bank La Casa Das Haus Inmobiliaria\" \/>\n<meta property=\"og:description\" content=\"Inmobiliaria de lloret de mar, costa brava. 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