Mortgages: choose your mortgage loan - Banco SantanderDiscover Santander's range of mortgage loans and choose the one that best suits your needs. Calculate your repayments and expenses with our mortgage simulator.
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Santander Mortgages

Simulate your installment

Compare the prices between fixed and variable mortgages and choose the one that best suits you.

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Home Planner

A tool designed to help you and accompany you in the process of buying the house of your dreams. Find out how to use it in just a few steps!

We have more mortages

Change of Home Mortgage 

Buy your new home while you are selling your old one. 

Mundo Mortgage 

Buying a second home in Spain is possible, even if you live in another country. 

Other mortgages 

To build your own home, buy commercial premises or for any other purpose.  

Altamira, Solvia and Diglo Mortgages 

With the option to finance up to 90%. 

Santander Properties

Take advantage of the range of properties offered by Altamira, Solvia and Diglo.

Reverse Mortgage 

Convert part of the value of your home into monthly income that you will not need to pay back in your lifetime. 

Santander Service: Housfy 

A service for the sale and rental of homes.  

Carousel navigation

Change of Home Mortgage 

Buy your new home while you are selling your old one. 

Mundo Mortgage 

Buying a second home in Spain is possible, even if you live in another country. 

Other mortgages 

To build your own home, buy commercial premises or for any other purpose.  

Altamira, Solvia and Diglo Mortgages 

With the option to finance up to 90%. 

Santander Properties

Take advantage of the range of properties offered by Altamira, Solvia and Diglo.

Reverse Mortgage 

Convert part of the value of your home into monthly income that you will not need to pay back in your lifetime. 

Santander Service: Housfy 

A service for the sale and rental of homes.  

Carousel navigation

Simulate your mortgage

Simulator

Calculate your monthly mortgage payment and its associated expenses

Whether it's your primary or secondary residence, new or used, find out your monthly mortgage payment for any province.

What are the main types of mortgage?

Generally speaking, we can distinguish between two types of mortgage, based on the type of interest rate: 

Fixed rate mortgage

In this instance, the bank will offer a fixed interest rate, thereby providing you with security against changes in the Euribor and allowing you to know what the monthly payment will be until maturity.

With fixed rate mortgages, you know that the price you pay will not be affected by market fluctuations. 

Variable rate mortgage

If you choose to finance your property with a variable rate loan, this will mean that, on a regular basis, normally every 12 months, the interest rate to be paid will be revised in line with the Euribor rate. 

We cannot forget that the amount that will be paid each month with variable mortgages will depend on the fall or rise of the Euribor.