finance

Barcelona mortgage rates for residents and non-residents

Current mortgage rates in Spain including Barcelona are set out for different borrower types.

By The Daily Barcelona · Published 25 July 2026

How we reported this

This article was written by AI from the linked sources and was not reviewed by a journalist before publishing. The Daily Barcelona is part of The Daily Network and follows our reasonable editorial care.

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The average mortgage rate in Spain including Barcelona in 2026 is approximately 2.85%, with the lowest observed rate at 2.44% according to item [7].

Variable-rate mortgages average 2.83%, indexed to the 12-month Euribor which is currently around 2.23%-2.77% depending on the source date in 2026 according to item [7].

Fixed-rate mortgages for well-qualified residents typically range from 2.5% to 3.5%, with the lowest fixed rate at 2.58% for terms over 10 years according to item [7].

Non-residents face higher rates, generally 3.5%-5.5% for fixed mortgages and 3.2%-4.5% as a current market range, with typical LTV caps of 60%-70% according to item [7].

Sources: perplexity-sonar.

This article is general information only and is not personal financial or investment advice. Consider your own circumstances and seek licensed professional advice before making financial decisions.

References Sourced but Not Limited to:

holapedro.com

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