If your mortgage agreement has a minimum rate clause (cláusula suelo) you have been overpaying, and you are entitled to a reimbursement.

If your mortgage agreement has a minimum rate clause (cláusula suelo) you have been overpaying, and you are entitled to a reimbursement.

Those mortgages arranged with a clause that set a minimum, or floor, for the interest rate applicable have meant that the holder has been overpaying in recent years. A ruling by the Court of Justice of the European Union dated 21 December 2016 requires banks and...