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For your main residence or second home

Regardless of whether you want to buy your main residence or your second home, you can opt for this mortgage loan.

With discounts to reduce your monthly payment

You can hire products to get discounts on the interest applicable to your monthly payments from the seventh month.

What are the products and conditions that give discounts?

Maximum discount: 1.10%.

The first review of commitments will be at month 6 and will be applied to the rate starting in month 7.






Income from payroll, pension, social security payments for self-employed persons or CAP Subsidy
Salary > €600
Pension or unemployment benefits > €300
Self-employed social security > €175.
CAP Subsidy no minimum amount



6 uses

Discount for every €100 of premium (individually per contract)
0.10% for every €100 of premium

Fulfilling all the above terms and conditions you qualify for a 1% discount

Sustainable Home 

Energy efficiency certificate
A, B or sustainable home
If also compliant with the energy efficiency certificate the discount can be 1.10%

These products and services can be contracted separately from the mortgage under the same conditions.

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 6 times in the three months prior to the revision of the interest rate. 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.A4.

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). With a maximum discount of 1%.


If you also provide an efficiency certificate according to the terms indicated bellow, you may add another 0.10% to your discount, which may reach a total discount 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) 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.

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 fees5?

  • Opening fee: 0%.

    Compensation or commission for full or partial reimbursement or early repayment: One of the following conditions shall be agreed upon:

    • 0.25% of the capital paid back in advance when the partial or total repayment occurs during the first three years of the life of the loan, or
    • 0.15% when the partial or total repayment occurs during the first five years of the life of the loan, or

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

    Notwithstanding the foregoing, in accordance with Royal Decree-Law 19/2022 of November 22, until December 31, 2023, no compensation will accrue in case of partial or total early repayment.

  • Mortgage constitution expenses6

  • They will be assumed by Banco Santander when contracting with individuals, with the exception of appraisal expenses and Nota Simple, which will be assumed by the client.

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Variable 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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