In recent years, The Spanish mortgage market has experienced a profound change. economic instability, Inflation and the evolution of interest rates have completely transformed buyer preferences. In 2025, las Fixed and mixed mortgages they are living a real boom, progressively moving the variables.
This phenomenon is having a strong impact on the real estate sector of Valencia and Murcia, where demand for properties continues to grow, especially among buyers looking for financial stability and protection against possible increases in the Euribor.
Below we analyze how this paradigm shift is influencing the buying a home on the Costa Blanca, What opportunities does it open for investors and what role does real estate play in this new scenario?.
What are fixed and mixed mortgages?
- Fixed mortgage: maintains the same interest rate throughout the life of the loan, allowing constant and predictable installments.
- Mixed mortgage: combines an initial period with fixed interest (5, 10 o 15 years) and another variable linked to the Euribor. It is an intermediate option that has gained popularity in 2025.
Compared to variable mortgages, These alternatives offer greater peace of mind to the buyer, that can accurately calculate the total cost of financing and protect against market volatility.
Comparative: fixed, mixed or variable
In 2025, buyers should choose with more information. The fixed mortgage It is ideal for those who prioritize security and long-term financial planning. On the other hand, the mixed allows you to take advantage of lower interest rates in the first years, although with a controlled risk in the future. Variable mortgages have lost prominence, but they are still attractive for profiles with high incomes and professional stability who seek to reduce the initial fee as much as possible..
Thanks to digital access to mortgage simulators and professional advice, Buyers now better evaluate which product fits their lifestyle, income and job projection. This previous analysis has raised the level of maturity of the mortgage market.
Why have they gained ground in 2025
Several factors have driven the rise of fixed and mixed mortgages in the Valencian Community and Murcia:
- High European interest rates, that make the variables more expensive.
- Greater access to financial information by the average buyer.
- More aggressive banking policies, that promote stable products.
- Need for predictability among foreign or middle-income buyers.
In places like Torrevieja, Orihuela Costa or Cartagena, where the buyer profile is very diverse, These options have allowed the reactivation of purchase and sale operations that were previously suspended for fear of inflation.
Impact on the real estate market in Valencia and Murcia
The increase in the contracting of fixed and mixed mortgages has had clear effects on the dynamics of the real estate market:
- 🔹 Greater security for the buyer, who dares to commit to the long term.
- 🔹 Increased interest in new construction homes, which tend to have higher prices and require more financing.
- 🔹 Reactivation of the second residence, especially in coastal areas such as those covered Mayrasa, since the foreign buyer perceives more stability.
This context has generated a more active demand for properties such as apartments in Torrevieja, penthouses for sale y new construction homes for vacation use or as an investment.
How does this influence the sales strategy??
Owners who want Sell your flat in Torrevieja or in nearby municipalities must take into account this new reality. Fixed mortgages allow more buyers to access homes with greater value, so it is possible adjust the sales price with a greater margin if it is accompanied by a good presentation and financial advice.
In this sense, services like home staging, las accurate appraisals o to professional real estate advice They are key to positioning yourself well in the market and closing operations within reasonable deadlines..
The new buyer profile in 2025
The current buyer, whether national or foreign, you are much more aware of the total cost of the mortgage, of amortization periods and future economic scenarios. Many of them arrive advised by financial brokers or online comparators., which allows them to demand more transparency and speed in the management. This trend forces the real estate sector to offer a comprehensive service, from the visit to the financing.
The foreign buyer, especially from northern Europe, consider the possibility of taking out a mixed mortgage that guarantees stability in the first years and flexibility later, which translates into greater confidence and faster operations in areas like Alicante, Benidorm, Torrevieja or Pilar de la Horadada.
Opportunities for buyers and inverters
The current scenario presents clear advantages for those who want to invest:
- Banks compete by offering attractive fixed conditions.
- Mixed mortgages allow access to lower initial rates.
- The real estate market on the Costa Blanca continues to be one of the most profitable in Spain.
For those who want to buy one second-hand housing, and Chalet and Torrevieja o o bungalow, It is the ideal time to take advantage of access to credit in stable conditions and secure your investment.
Role of real estate companies in mortgage formalization
In this new context, Real estate agencies play a key role. They are not only in charge of showing the home, but to accompany the buyer during the purchase process financing, contact with banking entities and document management. In Mayrasa, We facilitate the link with local and foreign mortgage advisors, We prepare prior documentation and collaborate so that the signature before a notary is carried out without setbacks or surprises..
This comprehensive service makes a difference and has become a decisive added value for those who buy for the first time or from outside Spain..
Conclusion
He fixed and mixed mortgage boom in 2025 has transformed the way of buying housing in the Valencian Community and Murcia. This new scenario has energized the market, has facilitated access to property and has restored confidence in national and international buyers.
Whether you are thinking of buying, sell or invest, Knowing current mortgage behavior is essential to make the right decisions.. In Mayrasa, we offer you legal support, technical and financial you need to achieve it.
