Mortgage guides for home buyers: how much you can borrow, what the bank actually charges, fixed vs variable, and whether overpaying is worth it.
Spain's state guarantee for first-time buyers was quietly rebuilt in June 2026 — higher income caps, a bigger wealth allowance, and two more years to use it. Here's who qualifies now, what the guarantee actually covers, and the five-figure cash bill it doesn't touch.
July 7, 2026 · 8 min
The online calculator says €320,000. The bank approves €260,000. The gap isn't a mistake — it's the stress test doing its job. Here's how to find your real number before you fall for a house you can't finance.
May 22, 2026 · 9 min
Most fixed-vs-variable guides quote today's headline rate. The decision actually hinges on what the Euribor forward curve says about tomorrow's — and after March, the answer changed.
April 28, 2026 · 9 min
The textbook advice — overpay when your mortgage rate beats your savings rate — misses the number that actually decides it: the legal cap on prepayment penalties in your country.
April 23, 2026 · 9 min