Changing your bank mortgage is no longer rare. In fact, more and more homeowners review their loan when they see that the market offers lower fixed rates than theirs. The surrogacy It allows you to transfer your mortgage to another entity with better conditions, maintaining the property and reducing the payment or term.
In 2026, the fixed mortgages for changing banks They compete seriously again. These are the three that currently lead the ranking.
| Openbank — Fixed Mortgage for mortgage change | Advantages |
|---|---|
GO TO THE OFFER ➜ |
| MyInvestor — Fixed Mortgage for subrogation | Advantages |
|---|---|
|
|
GO TO THE OFFER ➜ |
| ING — Fixed Orange Mortgage for subrogation | Advantages |
|---|---|
|
|
GO TO THE OFFER ➜ |
Openbank – Fixed Mortgage for mortgage change
Table of Contents
Openbank is positioned as the most competitive option within the surrogacy segment. Maintains a 2.42% fixed for the entire life of the loanwhich provides total predictability from day one.
With a APR from 2.98%is one of the tightest proposals on the market for those looking for stability and a constant quota. It is designed for profiles that prioritize clarity and digital operations, since the entire process can be managed online.
It can be especially interesting if you are coming from a loan signed at times of higher rates and you still have many years left to repay.
MyInvestor – Fixed Mortgage for subrogation
MyInvestor offers a fixed rate of 3.10% for the entire life of the loanwith a APR from 3.38% and up to 30 years of term.
Although the rate is higher than that of Openbank, it may fit profiles that value flexibility in conditions or that do not meet all the requirements of other entities. It is an interesting alternative for those looking for a simple structure without surprises in the long term.
ING – Fixed Orange Mortgage for subrogation
ING offers its Orange Fixed Mortgage for those who wish to change banks while maintaining a constant payment. Apply a 3.70% fixedwith a APR from 4.43% and up to 25 years of term.
It is not the cheapest option in the ranking, but it is a great alternative for those who prioritize an entity with a strong digital presence and agile processes.
How much can you really save by changing your mortgage?
Here is the practical key.
Imagine that you have an outstanding mortgage of €180,000 for 20 years and you are paying 4%. If you manage to get down to around 2.5%, the difference can mean several hundred euros per year and thousands in the total loan.
The greater the outstanding capital and the more years left to pay, the greater the impact of a rate cut.
Therefore, before deciding, it is advisable to make three calculations:
- Current fee vs estimated fee with the new rate.
- Costs associated with the change (mainly appraisal).
- Total savings during the years you have left.
If the savings clearly exceed the initial costs, surrogacy begins to make sense.
What you should check before starting the change
For the operation to be truly profitable, it is worth checking:
1. Commission for subrogation on your current mortgage. Some older contracts include penalties, although many are reduced or nonexistent.
2. Links of the new bank. Payroll, insurance or cards can influence the final rate.
3. Your financial stability. The new bank will analyze your profile again: income, debt and employment situation.
Is this a good time to consider it?
If you have been paying a high fee for a long time and have not reviewed conditions in years, probably yes.
Changing banks is not a complex procedure nowadays. The new bank usually handles much of the process and the main cost is usually the appraisal.
Now that every tenth counts, reviewing your mortgage can be one of the most profitable financial decisions of 2026. Sometimes, savings are not in spending less, but in paying better for what you already have signed.
Source: Kelisto.es with data as of 02/09/2026. Our rankings of mortgages for subrogation always take into account all offers for subrogation (or change of bank mortgage by canceling the old one and opening a new one) whose banks show standardized information on their websites or that have provided us with information after being consulted, regardless of the percentage of the appraisal value that they allow to request (entities with marketing formulas other than branches or online sales, such as family banks, are excluded).
Those that do not have information on their websites, have not responded to our request for information or have done so, but have claimed not to have a standard offer (they work only with personalized offers) or not having subrogation options are left out of the classification. The table shows the fixed mortgages with the lowest interest on the market, which adapt to the average term for which financing is requested for the purchase of a home according to data from the National Institute of Statistics (INE).
In the case of 10 years, it is common for some entities to start from a period of 15 years, so these offers also fall into the 10-year comparison. In the event of a tie, priority will be given to the offers with the best conditions with respect to several criteria: 1) Opening commission; 2nd) maximum % of the appraisal value that allows financing; 3º) Partial or total refund. The non-availability of information always penalizes an offer compared to another for which its entity does show data in this regard. If an entity does not have an offer for the chosen period, the next tranche for which it does have an offer has been taken into account.
All mortgages show the minimum interest that would be applied with the maximum bond required by each entity. The mortgages shown in this article correspond to those offered by the bank to clients who agree to meet the requirements to obtain the maximum bonus.
