{"id":26624,"date":"2023-10-30T09:53:59","date_gmt":"2023-10-30T09:53:59","guid":{"rendered":"https:\/\/valoracasa.es\/?p=26624"},"modified":"2026-11-03T12:47:59","modified_gmt":"2026-11-03T12:47:59","slug":"switch-variable-to-fixed-rate-mortgage","status":"publish","type":"post","link":"https:\/\/valoracasa.es\/en\/como-pasar-una-hipoteca-variable-a-fija-y-viceversa\/","title":{"rendered":"How to switch a mortgage from variable to fixed and vice versa"},"content":{"rendered":"

\"como<\/p>\n

We explain how you can switch a variable-rate mortgage to a fixed rate or vice versa.<\/p>\n

One of the biggest fears of clients with a variable-rate mortgage is that Euribor will rise and their monthly repayment with it. When interest rates and Euribor are rising, many clients look to switch their variable-rate mortgage to a fixed rate to avoid higher repayments.<\/p>\n

Likewise, when Euribor falls, those with fixed-rate mortgages at a high interest rate look to change their mortgage to lower their repayment.<\/p>\n

This is where the questions arise: Is it possible? How much does it cost? Who pays the costs? How is it done? Do I need the bank's permission?<\/p>\n

Can I switch my variable-rate mortgage to fixed or vice versa?<\/h2>\n

Yes. It's possible and you can do it at any time.<\/p>\n