The Euribor has risen again this month: the September 2026 average stands at around 3.2%, after several weeks of consecutive rises. If you have a variable-rate mortgage, now is a good time to understand what this movement means for your monthly payment and whether it is worth considering a change.<\/p>\n
After a period of relative stability, the Euribor has resumed an upward trend this summer. For anyone with a variable-rate mortgage tied to this index, the annual or six-monthly review of the payment will reflect that movement, with a consequent increase in the monthly instalment.<\/p>\n
The impact depends on your mortgage's margin and on when your review falls due. As a guide, on a \u20ac150,000 mortgage over 25 years, each percentage point the Euribor rises can mean between \u20ac70 and \u20ac90 more per month, depending on the agreed margin. It is not a minor figure if the upward trend continues.<\/p>\n
There is no single answer: it depends on how many years you have left on your mortgage, your current margin and the fixed or mixed-rate terms you can get on the market today. If you have many years of the loan left and value the peace of mind of a stable monthly payment, it is usually worth looking into it seriously. If you have only a few years left, the cost of the loan modification or mortgage transfer (subrogation) may not justify the change.<\/p>\n
We compare your current mortgage with the best fixed and mixed-rate offers on the market, calculate the real break-even point —not just the monthly payment, but the total cost of the switch— and tell you with numbers whether it is worth it or not. The consultation is free and carries no obligation.<\/p>\n
If your variable-rate mortgage worries you with this rise in the Euribor, request a free study of your case.<\/p>","protected":false},"excerpt":{"rendered":"
The Euribor has risen again this month and now averages around 3.2%. If you have a variable-rate mortgage, we explain what this movement means and when it makes sense to consider switching to a fixed rate.<\/p>","protected":false},"author":2,"featured_media":358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipotecas"],"_links":{"self":[{"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/posts\/324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/comments?post=324"}],"version-history":[{"count":0,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/posts\/324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/media\/358"}],"wp:attachment":[{"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/media?parent=324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/categories?post=324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.wereal.es\/en\/wp-json\/wp\/v2\/tags?post=324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}