The best fixed, mixed, and variable mortgages of November 2026

Applying for a mortgage is a significant life event, often overwhelming due to the variety of options available. Kelisto.es has ranked the best fixed, mixed, and variable mortgages for September 2026. Mortgages are loans secured by the property itself, meaning failure to pay can result in losing the home. It's crucial to choose a mortgage one can afford without overextending financially. Interest rates are a key factor, along with any conditions for bonuses, such as direct deposit or insurance requirements. There are three main types of mortgages: fixed, variable, and mixed. Fixed mortgages have a constant interest rate, while variable ones fluctuate based on market indices. Mixed mortgages combine both types. The article lists the cheapest options for each category, highlighting specific rates and terms from various banks.