Mortgage simulator.

Fixed interest is an interest rate that does not vary throughout the duration of the mortgage loan. In other words, the interest rate you agree to when you sign the mortgage will remain the same until the end of the loan. Variable interest, on the other hand, is just the opposite. It is an interest rate that can vary depending on an economic indicator: the Euribor rate. Normally, if this indicator rises, the interest rate of the mortgage loan increases and vice versa.

The financial study is a preliminary and free step that we take at Clikalia to get to know your financial profile in detail, to be able to make you an offer and negotiate the best mortgage conditions for you. It’s a personalised and totally confidential study carried out by a Clikalia advisor specialised in mortgages.

We only charge a fee for this service if you sign the mortgage loan through one of the offers we’ve presented to you. If the mortgage loan is less than €265,000, the fee would be only €2,915. If the mortgage loan is over €265,000, the fee would be set at 1.1% of the total mortgage loan signed. The rest of the procedures and studies prior to signing the mortgage loan are completely free of charge. In other words, you only pay if we find a mortgage that suits you.

Mortgages are generally signed at the moment the purchase is signed at the notary's office, so the timing depends on several factors: availability of the notary's office and the seller, how far along the process of finding and buying the property is, etc. However, the average time to sign a mortgage is usually 1 month. We guarantee that, if we have all the necessary documentation, we can present you with mortgage offers within a few days so that you can choose the one that suits you best.

At Clikalia we can get mortgage offers that are usually up to 85% of the financing required. Either way, Clikalia’s mortgage advisors are very professional, responsible and scrupulous, and will present you with offers that really suit your financial profile and needs.