Mortgage Comparison 2026

How to choose the right mortgage

A shorter fixed period (1-3 years) offers lower rates, but the rate may change after expiry. A longer fixed period (5-10 years) gives stability at a slightly higher rate.

The ratio of loan amount to property value. The lower the LTV, the better rate the bank will offer. Having at least 20% of your own funds is ideal.

Your payment should not exceed 30-40% of your net monthly income. Keep a reserve for unexpected expenses.

Do not compare only the interest rate. Factor in processing fees, property valuation, insurance and other mortgage-related costs.

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