3.247%
Oct 2025 – Sep 2026
12-month Euribor
Average for September 2026 · +29 bp vs. previous month
The benchmark for most variable and mixed-rate mortgages in Spain.
07:07 CEST
Market
The mortgage market, today.
The figures that move a mortgage in Spain, updated automatically from the European Central Bank and other official sources. If you earn in another currency, the exchange rate matters as much as the interest rate.
Automatic updateChecked at 21:42 CEST
2.50%
Nov 2025 – Oct 2026
ECB deposit rate
Last change: September 16, 2026 · +25 bp at that decision
The European Central Bank’s rate. It largely sets the direction Euribor takes.
16:22 CEST
3.54%
Sep 2025 – Aug 2026
Guide rate for non-residents in Spain
Data for August 2026 · +15 bp vs. previous month
ECB average for residents in Spain (3.04%, August 2026) plus the usual difference for non-residents (+0.50 points).
10:00 CEST
€1,006/ month
Sep 2025 – Aug 2026
Your payment today
Mortgage of €200,000 over 25 years at the guide rate for non-residents (3.54%).
Calculate yours
10:00 CEST
Mortgage rates in other countries.
To compare with Spain: the lowest and highest average rate on new mortgages in each country, according to its central bank.
United Kingdom
4.8% / 6.6%
fixed 5 yrs / variable
Loans in pounds
Bank of England · Aug 2026
Belgium
3.5% / 4.7%
fixed 10+ yrs / variable
Loans in euros
ECB · Aug 2026
Netherlands
3.4% / 4.3%
fixed 10+ yrs / variable
Loans in euros
ECB · Aug 2026
Germany
3.8% / 4.4%
fixed 5–10 yrs / variable
Loans in euros
ECB · Aug 2026
United States
6.6% / 7.3%
fixed 15 yrs / fixed 30 yrs
Loans in dollars
Freddie Mac · Oct 1, 2026
Lithuania
4.1% / 4.9%
variable / fixed 1–5 yrs
Loans in euros
ECB · Aug 2026
Latvia
4.2% / 7.8%
variable / fixed 1–5 yrs
Loans in euros
ECB · Aug 2026
Estonia
4.2%
variable · almost all loans
Loans in euros
ECB · Aug 2026
Hungary
6.2% / 7.4%
fixed 5–10 yrs / variable
Loans in forints
ECB · Aug 2026
Poland
5.4% / 6.1%
fixed 10+ yrs / fixed 5–10 yrs
Loans in zlotys
ECB · Aug 2026
Ireland
3.4% / 4.1%
fixed 1–5 yrs / fixed 5–10 yrs
Loans in euros
ECB · Aug 2026
Romania
5.5% / 6.2%
fixed 1–5 yrs / fixed 10+ yrs
Loans in lei
ECB · Aug 2026
Averages of new home loans, by fixed-rate period or type (variable and fixed). In the Baltic countries almost all new mortgages are variable: fixed-rate types with very few loans are not shown. United Kingdom: rates offered with 75% financing. United States: 15- and 30-year fixed rates (weekly Freddie Mac survey). These are loans in each country’s currency, so they are not directly comparable with a euro mortgage in Spain.
The euro against your currency.
Official ECB reference rates. Your bank will apply its own exchange rate.
1 euro =
0.8503GBP
Sep 17 – Oct 2
British pound
ECB rate for October 2, 2026 · -0.40% vs. previous day
15:57 CEST
1 euro =
1.1225USD
Sep 17 – Oct 2
US dollar
ECB rate for October 2, 2026 · -0.65% vs. previous day
15:57 CEST
1 euro =
0.9279CHF
Swiss franc
-1.67% vs. previous day
15:57 CEST
1 euro =
10.832NOK
Norwegian krone
-0.40% vs. previous day
15:57 CEST
1 euro =
11.290SEK
Swedish krona
-0.36% vs. previous day
15:57 CEST
1 euro =
4.3775PLN
Polish zloty
+0.09% vs. previous day
15:57 CEST
1 euro =
369.18HUF
Hungarian forint
+0.54% vs. previous day
15:57 CEST
1 euro =
5.3488RON
Romanian leu
+1.25% vs. previous day
15:57 CEST
Source: European Central Bank. The Euribor that banks use to review your mortgage is the monthly average. Exchange rates are the ECB reference rates, published every business day at around 16:00 CET. Figures for guidance only.
Official sources are checked every hour and at least once a day: exchange rates change every business day, Euribor and mortgage rates when each source publishes them (weekly or monthly).
How do these figures affect your mortgage?
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