BASED ON THE EURIBOR
Discounted Variable Mortgage
With an interest rate that can go up or down depending on changes to the Euribor.
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I want to buy
a house
ADVANTAGES OF A FIXED AND VARIABLE RATE
Mixed Mortgage
With a fixed repayment amount at the start of the mortgage loan then a variable repayment depending on the Euribor
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SAME INSTALMENT UNTIL MATURITY
Discounted Fixed Mortgage
You will know how much you will need to pay from start to finish, without any surprises.
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FOR THOSE UNDER 36
Mortgage for Young People
An opportunity to finance up to 95% of the child between the appraised or purchase value in 30 years.
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If you already know what mortgage you want
Fixed rate mortgage with product-related discounts
You will pay the same amount until the term of the loan.
Variable Rate Mortgage with Product-Related Discounts
Variable rate mortgage loan. Discover the conditions.
Bring your mortgage
Do you already have a mortgage and want to transfer it? Do it now, we'll take care of the rest.
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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, Casaktua and Diglo Mortgages
With the option to finance up to 90%.
Santander Properties
Take advantage of the range of properties offered by Altamira, Casaktua and Diglo
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Code of Good Practices
According to RD 6/2012
Code of good practices
For customers on the poverty line.
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According to RD-Law 2022
Code of good practices
For customers at risk of vulnerability.
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BUY YOUR HOUSE
SIMULATOR
Calculate your monthly mortgage payment and its associated expenses
Whether it is your main home or second home, new or used, know the monthly payment of your mortgage for any province.
What is the difference between fixed and variable mortgage?
Know the characteristics of each one so that you can make the best choice.
5 Tips for Choosing a Mortgage
Choosing a mortgage is not easy. Here are the keys for you to find the one that best suits you.
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GLOSSARY
What is the cadastral value of a home?
We tell you what parameters you have to take into account to calculate the cadastral value of a home.
Novation of a mortgage
Discover everything related to the renegotiation of the conditions of the mortgage loan after the signing of the contract.
How to ask for a simple note in the registration of a property?
Know the information you must provide to carry out the procedure.
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Can I deduct the mortgage on my return?
Descubre si cumples con los requisitos para deducir tu hipoteca en la declaración de la renta.
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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.
The main advantage of fixed rate mortgages is the security of knowing that the amount to be paid 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.
The main advantages of variable mortgages are the low fees and a longer payback period.
However, we must not forget that the amount to be paid each month will depend on whether the Euribor rate goes up or down.
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DICTIONARY
What is the APR of a mortgages?
FAQs
How to request a non-certified note from the Land Register.
How does the new mortgage law affect you?
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SANTANDER BLOG
5 Tips for choosing a mortgage
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