Home-loan balance comparison
Current loan versus the selected refinance offer
Spain · EUR
Spain mortgage refinance calculator.
Compare your current Spanish mortgage with refinancing or follow-on financing, including switching costs, early-repayment compensation, additional borrowing and rate scenarios.
Refinance offer comparison
Results include the entered break cost, selected cost treatment, cash out and consolidated debt
| Scenario | Rate | Term | Loan amount | Payment | Upfront cost | Break-even | Balance at horizon | Horizon result |
|---|
New-rate sensitivity
How Offer A changes if its interest rate is higher or lower
| Rate change | New rate | Monthly repayment | Break-even | Horizon result |
|---|
Planning estimate only—not a lender quote, payout statement, valuation, tax calculation, credit decision or recommendation. Confirm early-repayment compensation, discharge and land-register fees, valuation, lender conditions and loan terms.
Should you refinance a mortgage in Spain?
Refinancing, novation or subrogation may change the rate, term, lender or mortgage conditions. Fees, compensation and a longer term can offset a lower payment.
Spanish mortgage refinancing costs
Possible costs include early-repayment compensation, appraisal, notary, registry, gestoría and arrangement or brokerage costs, depending on the operation and applicable rules. Enter current quotations.
Break-even and remaining balance
The break-even estimate compares upfront costs with monthly savings. The horizon result also compares remaining balances so a term extension is not treated as pure savings.
Compare official offers
Use binding lender information and personalized documents for the actual rate, APR, fees, insurance and legal consequences.