GC Finance — Free mortgage analysis
Are you paying too much
for your mortgage?
70% of mortgages signed before 2024 have room for improvement. We tell you how much you can save — for free and within 24 hours.
You can also write to us via form or call us at +34 694 234 665.
Calculate how much you can save
Compare your current mortgage with the best market offer in April 2026 (2.50% rate).
What you still owe the bank
Term you have left
Your current interest rate
5 signs your mortgage is expensive and you don't know it
Your current rate is above 3%
The market in 2026 is at 2.3-2.7% for fixed mortgages. If your rate is 3.2% or above, on a €150,000 mortgage with 20 years remaining you're paying about €18,000 more in interest than you would pay today.
You pay home/life insurance tied to the bank
These insurance policies typically cost €400-800/year more than an external equivalent. If the rate discount doesn't compensate, you're being charged for loyalty.
You signed before 2024 and have never reviewed your terms
Between 2022 and 2024 banks signed many mortgages at high rates due to the rise in Euribor. Today those mortgages are clearly above market, but the bank won't tell you — you have to go after the improvement.
Your mortgage is variable and Euribor has raised your payment
The high Euribor of 2023-2024 raised variable mortgage payments by 30-40%. Even though it has come down, if you signed variable a while ago it may be worth switching to fixed now at competitive rates.
You have savings sitting idle in your account
While your mortgage at 3% generates negative interest, having €20,000 in a current account at 0% is losing real money. Partial overpayment can be more profitable than most low-risk investments.
Two ways to save: overpay or subrogate
They are not mutually exclusive — often the optimal move is to do both. We tell you which suits your case.
Overpayment (extra payment)
You make an extra payment towards the outstanding capital from your savings. Reduces debt and future interest.
When it makes sense:
- ✓ You have idle savings available
- ✓ Your current rate is not very high
- ✓ You want to finish the mortgage sooner
Subrogation (change bank)
You take your mortgage to another bank that offers a better rate. You keep the debt but pay less each month.
When it makes sense:
- ✓ Your rate is above the current market
- ✓ You want a lower monthly payment without touching savings
- ✓ You have more than 8-10 years left
What our free analysis looks like
You share your current mortgage details
Via WhatsApp: rate, outstanding capital, remaining term, fees, requirements. Or directly the latest deed. No commitment whatsoever.
We calculate your real saving
In 24 hours we send you a concrete proposal: what you pay today, what you would pay with the best available market offer, and the total difference euro by euro.
We recommend what to do
If overpayment suits you — we tell you exactly how much and how. If subrogation suits you — we negotiate the best offer from 20+ banks. If both suit you — we explain the order and timelines.
We execute only if it saves you money
If you decide to move forward, we handle all documentation and paperwork. If you decide not to, you keep the analysis as a reference and pay nothing.
Frequently asked questions
How do I know if I'm paying too much?
If your rate is >3%, you have bank-linked insurance, or you signed before 2024 without reviewing — you're almost certainly overpaying.
What is overpayment?
Making an extra payment towards the outstanding capital. Reduces capital and future interest.
Overpay or subrogate?
Depends on your current rate, available savings and remaining term. We advise on your specific case.
How much do I save overpaying €10,000?
On a typical mortgage, around €3,500 in total interest or €50/month depending on the option chosen.
Is it a good time to review?
Yes. After the high Euribor of 2022-2024, banks are competing aggressively. Best moment in 3 years.
Free analysis with no commitment
In 24 hours we tell you how much you can save. If it's not worth it, we'll say so.
Start analysis nowYou can also write to us via form or call us at +34 694 234 665.