Worried about how Euribor's movements in 2025 could affect your mortgage? At Valoracasa Estate Agents we offer personalised advice to help you make informed decisions about your mortgage finance. Our team of experts is ready to analyse your situation and give you the best options tailored to your needs. Contact us today and secure your financial peace of mind
Euribor in 2025 and its impact on mortgages
Euribor, the benchmark for most variable-rate mortgages in Spain, has been trending downwards in 2025, influenced by the European Central Bank's (ECB) decisions and global economic developments.
Monthly Euribor in 2025
Below is the monthly 12-month Euribor during the first months of 2025:
| Month | Euribor (%) |
|---|---|
| January | 2,525 |
| February | 2,407 |
| March | 2,398 |
| April | 2,143 |
This downward trend has been a relief for many mortgage holders, as monthly repayments have fallen considerably.
Impact on mortgages
The fall in Euribor has had a direct effect on variable-rate mortgages. For example, an average 120,000-euro mortgage over 20 years saw its monthly repayment fall by around 93.3 euros in April, an annual saving of about 1,120 euros .
This fall has also influenced new buyers' decisions, as they find more favourable conditions for buying a home.
Forecasts for the rest of 2025
Forecasts suggest Euribor could settle at around 2.10% towards the end of 2025 . This stability would provide a favourable environment for both current and future mortgage holders.
Want to optimise your mortgage or explore new property investment opportunities? At Valoracasa Estate Agents we offer a detailed, personalised analysis to help you make the best financial decisions. Our commitment is to give you security and confidence at every step of the process. Contact us and find out how we can help you reach your goals!
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