What's more, you will have the security of always paying the same repayment amount throughout the term of your mortgage.

A favourable rate for the six first months

You will get a fixed rate of 2.95% NIR during the first 6 months and 3.95% NIR from the seventh month (APR 4.15%).

Bonuses that could improve your monthly repayment

Choose the products that best suit you, which could give you a 1.10% bonus on the NIR from month seven onwards, subject to conditions.

No arrangement fee

Benefit from a 0% arrangement fee.


Discover the Discount Fixed Mortgage

Arrange your mortgage in simple steps quickly and hassle-free. This financing is available for your primary or second residence. It offers you:

 Fixed interest rate:

Security in relation to Euribor activity. You will know what your monthly instalment will be throughout the term.

 A mortgage adapted to you:

Because you can get discounts that will reduce the interest you pay depending on the products you arrange from the seventh month.

Amounts, terms and fees

  • What are the maximum amounts and terms for a primary residence?

  • Maximum amount: 80% of the appraisal value of the property.

    Maximum term: 30 years.

  • What are the maximum amounts and terms for a second residence?

  • Maximum amount: 70% of the appraisal value of the property.

    Maximum term:25 years.

    For both primary and secondary residences, customers must provide, through their own funds, at least the difference between the sale price and the amount financed. The length of the mortgage plus the holder's age may not add up to more than 80 years.

  • What are the associated fees4?

  • Opening fee: 0%.

    Compensation or commission for total or partial early repayment or repayment. In the event of a full or partial early repayment or repayment, the borrowing party shall compensate the Bank. Such compensation shall consist of:

    • In 2% of the capital repaid in advance, if the advance repayment takes place during the first 10 years of the loan.
    • At 1.5% of the capital repaid in advance, if early depreciation occurs at a later date.

    Under no circumstances may the compensation exceed the amount of the financial loss that the Bank would suffer.

  • Mortgage constitution expenses5

  • They will be assumed by Banco Santander when contracting with natural persons, except for appraisal expenses, which will be assumed by the client.

How can I access the discounted interest rate starting the seventh month?

To obtain the discounted interest rate from the seventh month onwards you can choose between the following products or services up to a maximum discount of 1.10%:


Get your salary or unemployment benefit, Pension, Self-Employment Social Security payment or CAP subsidies paid directly to your accounts :

  • Discount of 0.50% applicable if any of the borrowers has a salary of at least €600/month paid directly into their account, or if any of the borrowers has a pension or unemployment benefit of at least €300/month paid directly into their account, or if the social security payment of one of the borrowers is at least €175/month paid directly into their account, or if any of the borrowers has CAP benefits paid directly into their account, regardless of the amount received.

The bonus for this concept will be 0.50% on the applicable nominal interest rate, irrespective of the products or services which the borrower, or borrowers if there are several, may have contracted.


Use Santander credit cards at least six times in the three-month period leading up to the interest rate review. Discount: 0.05%.


Currently have any of the following insurance: Risk Life Insurance from Santander Vida Seguros y Reaseguros, S.A. or from Santander Seguros y Reaseguros, Compañía Aseguradora, S.A., Seguros de Hogar de Santander Generales Seguros y Reaseguros, S.A. or Accident or Temporary Disability Insurance for Freelancers from Santander Generales Seguros y Reaseguros, S.A., all sold by Santander Mediación Operador de Banca-Seguros Vinculado S.A., with tax no. A28360311, through its distribution network, Banco Santander, S.A6.

Discount of 0.10% for each €100 of annual premium, individually for each of the insurance policies taken out among those indicated above (premiums are not added up). 


Have arranged the rental, through Banco Santander, S.A., of a security system, where the provider of the services associated with the system is MOVISTAR PROSEGUR ALARMAS, S.L., as long as the rent is charged directly (and not returned) to an account held at the bank in the borrower's name, or in the name of one of the borrowers if there are more than one.

In order to enjoy this discount once the rental ends, and for the remainder of the mortgage term, the borrower/s must keep the alarm maintenance service active, through MOVISTAR PROSEGUR ALARMAS, S.L., and the bills for the service must be charged directly (and not returned) to an account held at the bank in the borrower's name or in the name of one of the borrowers if there are more than one. Discount: 0.20%.

All the sections indicated above may give a maximum bonus of 1% with the sum of all of them.


If you also provide a certificate of efficiency in the terms indicated below, you can add 0.10% more to your bonus, being able to reach a total bonus of 1.10%.

Provide the Bank with an Energy Performance Certificate of the property or any of the properties subject to mortgage, with energy efficiency rating A or B for each of the numerical indicators contained in that Certificate (non-renewable primary energy consumption and CO2 emissions; i.e. AA, AB, BA, or BB rating) or if any of the certificates indicated below are provided: BREEAM EXCELLENT, BREEAM EXCEPTIONAL, LEED GOLD, LEED PLATINUM, PASSIVE HOUSE CLASSIC, PASSIVE HOUSE PLUS, PASSIVE HOUSE PREMIUM or GREEN Certificates whatever the qualification of the same.

Personal service from start to finish

You can rely on your personal manager to clear up any doubts and solve any issues that may arise throughout the process, regardless of the device you are using to apply for your mortgage or of where you are located. Here are just a few of the advantages of having a personal manager at your disposal:

Personal support at all times

You will receive full management services tailored to you in the arrangement, advisory, processing and consultation phases of your mortgage application.

Wherever you are, whenever you need it

Personal service from your manager, which you can request through any of the available channels: call, video call, chat or email.

Easy, fast and tailored to you

We thoroughly assess your case and tailor everything to your needs.

Start now

Start the online process of contracting your mortgage in 6 easy steps.

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Fixed Rate Mortgage with Product-Related Discounts

Icon / check Created with Sketch. Up to 1,10% discount over NIR from the seventh month.

Icon / check Created with Sketch. 0% Opening fee.


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