A mortgage for every need

Fixed rate online mortgage with product-related discounts

You will pay the same amount until the term of the loan.

Variable Rate Online Mortgage with Product-Related Discounts

Variable rate mortgage loan. Discover the conditions.

What stage are you at?

I am looking

I want more information about the Online Mortgage conditions.

I want to do the numbers

I haven't chosen a house yet, but I want to know how much I can apply for.

I have made a decision

I have already chosen my house and I want to apply for a mortgage.

I have already applied

Continue with your mortgage application process.

We will guide you through it

Quick and easy.

With the help of a specialised personal advisor.

To purchase your main residence or second home, with up to two home owners.

Adapted to you, with fixed or variable interest rates, according to your profile and requirements.

We have more mortages:

Transyour mortgage

Do you already have a mortgage and want to transfer it? Do it now, we'll take care of the rest.

Change of Home Mortgage

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

Other mortgages

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

Altamira, Casaktua and Aliseda Mortgages

With the option to finance up to 90%.

Santander Properties

Take advantage of the range of properties offered by Altamira, Casaktua and Aliseda

Mundo Mortgage

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

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 the Euribor, whether the Euribor rate goes up or down.


If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.

Get your codes

Online Banking: no restrictions on time or place.

You decide how, when and where to interact with your bank. We make it easy for you: you can access accounts and cards from your mobile and carry out transactions.

Get your codes

  Send money easily using Bizum.

  Track your expenses and income for the month with graphs.

  View and manage your bills.

  Block, turn on or turn off your cards and check their PIN and CVV numbers.

  Set your alerts to always be kept up-to-date.

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Arranging products

We believe that technology can also benefit people and that is why we are wherever you are. You can arrange online: accounts, debit and credit cards, pension plans, insurance, pre-approved loans...

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Your bank is always with you

We make our services available to you from any place: Santander Orienta, search for you nearest branch or ATM, chat, Superlínea, assistant for questions and video tutorials.

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