Choosing between a fixed, variable or mixed mortgage is the most important financial decision of your life. In 2026, with the Euribor stabilizing and fixed rates at their most competitive in recent years, the right choice can mean a difference of tens of thousands of euros over the loan.
What has changed in 2026?
The Euribor has experienced a significant drop from the 2023 highs, settling at more moderate levels. This has changed the balance between the three mortgage options, making the decision more nuanced than ever.
Fixed Mortgage — Who is it ideal for
Variable Mortgage — Who is it ideal for
Mixed Mortgage — Who is it ideal for
Quick comparison 2026
| Fixed | Variable | Mixed | |
|---|---|---|---|
| Interest rate | Fixed throughout | Euribor + spread | Fixed X years + variable |
| Monthly payment | Always the same | Changes at each review | Fixed at first, then variable |
| Risk | None | High | Moderate |
| Recommended if you want | Stability | Euribor falling | Balance |
Duplo Capital's recommendation
In 2026, for most profiles we recommend first analyzing a mixed mortgage with a 5-10 year fixed period, given the current Euribor context. However, each profile is unique and deserves personalized analysis.
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