Free mortgage comparison: which bank charges you less
Enter the loan amount in UF and the term, and see Chilean banks ranked by CAE, with the rate, monthly payment, insurance and fees, using CMF data.
How to use the mortgage comparison in 3 steps
- 1
Enter the loan amount
In UF, between UF 100 and UF 20,000. It is what you borrow from the bank, not counting the down payment.
- 2
Choose the term
10, 15, 20, 25 or 30 years. The ranking updates when you tap each term.
- 3
Compare the CAE and the total
Banks are ranked by CAE, with the rate, monthly payment, insurance, fees and the date of the data.
Lowest CAE
Santander
CAE 4.62% · Rate 4.00%
Payment with insurance
$785,549
UF 19.03
Monthly gap
$62,332
between the cheapest and the priciest
10 offers for a UF 3,000 loan over 20 years, ranked by CAE
| # | Bank | Rate | CAE | Payment with insurance | Monthly insurance | Upfront fees | Total to pay | Data as of |
|---|---|---|---|---|---|---|---|---|
| 1 | Santander | 4.00% | 4.62% | $785,549 | UF 0.96 | UF 9.88 | $188,939,602 | 08/28/2026 |
| 2 | BancoEstado | 4.55% | 4.83% | $797,520 | UF 0.44 | UF 7.67 | $191,721,414 | 02/06/2026data over 6 months old |
| 3 | Banco Internacional | 4.68% | 5.02% | $808,666 | UF 0.53 | UF 14.00 | $194,657,753 | 06/04/2026 |
| 4 | BCI | 4.94% | 5.02% | $809,904 | UF 0.13 | UF 10.02 | $194,790,581 | 11/05/2026 |
| 5 | Bice | 4.90% | 5.06% | $811,968 | UF 0.24 | UF 12.90 | $195,404,826 | 10/28/2025data over 6 months old |
| 6 | Coopeuch | 4.80% | 5.07% | $811,555 | UF 0.43 | UF 10.15 | $195,192,187 | 11/03/2026 |
| 7 | Banco de Chile | 4.78% | 5.10% | $813,206 | UF 0.50 | UF 10.60 | $195,607,003 | 10/30/2026 |
| 8 | Banco Falabella | 4.68% | 5.17% | $816,509 | UF 0.77 | UF 10.15 | $196,381,147 | 12/30/2024data over 6 months old |
| 9 | Scotiabank | 4.73% | 5.50% | $842,515 | UF 1.22 | UF 10.85 | $202,651,483 | 10/15/2026 |
| 10 | Itaú | 5.02% | 5.58% | $847,881 | UF 0.89 | UF 9.78 | $203,895,154 | 10/09/2026 |
Total to pay = monthly payment with insurance × number of payments + upfront fees (title search, notary and appraisal). Stamp tax and property registry fees are not included.
Source: CMF mortgage simulator, with the UF value of November 6, 2026. Non-transferable, UF-denominated, fixed-rate mortgage, with life and fire insurance. Reference rates reported by each bank: not an offer or financial advice. CMF
Simulate your loan with a bank’s rate in the payment calculator →Frequently asked questions about the mortgage comparison
Where does the mortgage comparison data come from?
From the mortgage simulator of Chile’s Financial Market Commission (CMF), where each bank reports its terms. The comparison checks it automatically and stores each result for 24 hours.
What is the CAE and why does the ranking use it?
The CAE (carga anual equivalente, or annual equivalent cost) combines the interest rate, insurance and loan fees into a single percentage. That makes it better than the rate for finding the cheapest loan. It is the same order the CMF uses.
Are these the rates the bank will give me?
Not necessarily. They are standard reference rates, with no discounts for agreements or promotions. A bank may offer you a different rate depending on your income, down payment and credit history. Use them as a starting point and get written quotes.
What kind of loan does it compare?
A non-transferable, UF-denominated, fixed-rate mortgage, the most common type in Chile. The monthly payment includes life and fire insurance.
Why do some banks show “data over 6 months old”?
Each bank updates its information at the CMF whenever it wants. If the data is old, its actual offer today may differ: confirm it directly with the bank.
How do I compare quotes I already have?
Enter them in our mortgage payment calculator, which compares up to 4 offers side by side. You can also check the ranking of the best mortgage loans in November 2026.