Real estate simulators

Discover our real estate calculation tools

Do you want to calculate the monthly cost of your mortgage?

In May 2025, the 12-month Euribor (the usual benchmark for variable mortgages) stood at around 2.08%, marking one of its lowest levels in recent years. This could translate into more affordable installments for variable mortgages and favorable conditions in some mixed mortgages.

What to consider for a mortgage?

• Interest rate: currently, banks offer fixed rates starting at 2.45% NIR and mixed rates starting at 1.75% NIR for the first few years.
• Associated expenses: remember to consider notary fees, registration and stamp duty (AJD), which can be between 10% and 15% of the purchase price.

🔍 Simulate your monthly payment and adjust the term and interest rate to find the best financing option. This amount is indicative, if you need more information please contact us.

Do you need to update the price of your rent?

Use this tool to calculate the new maximum rent allowed according to the Housing Law 2025, valid in Mallorca and the rest of Spain:

• Enter the last monthly rent you received.
• Write the Housing Lease Reference Index (IRAV), available on the website of the National Statistics Institute (INE).
• If you have made major improvements (such as energy efficiency or accessibility), check the appropriate box to include up to an additional 10%.

📌 See the most recent benchmark here:  IRAV

💡 Pro tip: Before signing a new lease, check if your municipality is classified as a “stressed area”. This way you will be able to establish a legal, competitive price that complies with the regulations.

Do you want to know if your real estate investment is profitable?

With this simulation you can easily estimate the gross, net and return on invested capital, as well as the monthly cash flow under different scenarios (optimistic, realistic and pessimistic).

How to use it:

🔹 Complete the purchase price of the property and the gross monthly rent you plan to obtain.

🔹 Indicate the number of months of occupancy per year (generally 12, or less if you anticipate vacancies or tourist rentals).

🔹 Add the acquisition costs (taxes, notary, registration), renovations, and agency fees if applicable.

🔹 If you are going to finance the purchase, include the savings contributed and the monthly mortgage payment.

🔹 For a more comprehensive calculation, enter the annual operating expenses (maintenance, community fees, supplies, insurance, taxes, and management fees).

👉 Tip: You can leave blank or set to zero the fields that do not apply to your case, such as renovations or certain expenses. The calculator will automatically adjust the results to provide you with a realistic analysis.

Calculate and discover the actual return on your investment!

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