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SpanishMy First Home Programme
My First Home Agreement with the Regional Government of Andalusia
What does the agreement involve?
If you are from the Community of Andalusia, you can take advantage of the agreement signed with the Government of this Autonomous Community, which will help you buy your first home.
Agreement with the regional government of andalusia to get a mortgage of up to 95% for your home1
Aimed at young people under 35 who do not have enough savings to buy their first home. The mortgage could be for between 80% and 95% of the value of the property (the sale price or the valuation price, whichever is lowest). You must always contribute, at least through your own funds, the difference between the purchase price and the amount financed.
Eligibility requirements for the first home programme
You will be able to take advantage of the scheme if:
- You are under 35.
- You are buying your first home.
- You legally reside in a municipality in the Community of Andalusia.
In addition, the house you want to buy:
- Is located in the Autonomous Community of Andalusia.
- Will be your main and permanent home for at least two years from the purchase date.
- Is worth €295,240 or less, excluding purchase fees and taxes; or, if the house is rated A or B in terms of energy efficiency, €354,288 or less.
More details
Find out everything you need to know about the Mortgage Guarantee Programme for Young People.
We know buying your first home is not an easy decision. For this reason and so that you have all the information you need just one click away, you can calculate your mortgage's monthly repayment and associated costs in our simulator.
1. Financing subject to approval by Banco Santander. For housing free of encumbrances and liens. Home mortgage loan. Lender: Banco Santander, S.A.