We have more types of mortgages than any other bank. These are:
New!
Dual mortgage
Combine variable and fixed interest in the same instalment, however you choose to split it.1 The peace of mind of a fixed rate and the opportunities of a variable rate.
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for mortgages
Use our ICO mortgage calculator, with no obligation, to find out whether you meet the requirements for this opportunity.
Simulate our mortgages: One, two, three minutes, no more.
better financial decisions for your mortgage
Tips, steps, procedures, comparison tools... Everything you need to get to your new home.
Let's recap: These are the steps to take out your mortgage.
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Simulate your mortgage to see your monthly payment, interest rates and other relevant data... The means everything that matters.Get a personalised offer.
We'll ask you for some personal data and you'll be able to see an offer tailored to your needs. No obligation!Have you found the mortgage that suits you?
Along with the personalised offer, we'll tell you all the documents you need to get your mortgage.Shall we start with the simulation?
Code of good practices
Content Code of good practicesHere's a link to our Mortgage Guide.
View mortgage guide in PDF format
Information document with a summary of the protection measures for mortgage holders regulated by Royal Decree Law 6/2012 of 9 March (Code of Good Practices).
View best practice guide in PDF format
Document of General Terms and Conditions of Mortgages (Ley 7/98 of 13 April 1998).
View general terms and conditions of mortgages in PDF format
Document of General Conditions of the Real Estate Loan with mortgage guarantee (Dual).
View general terms and conditions of mortgages in PDF format dual mortgage
Link to the Tools for mortgage holders struggling to pay guide.
View the Tools for mortgage holders struggling to pay guide in PDF format.
For mortgages on homes that are formally arranged in the Autonomous Community of Andalusia.
View in Spanish in PDF format Autonomous Community of Andalusia
View in English in PDF format Autonomous Community of Andalusia
General Terms and Conditions of EVO Mortgages (Law 7/98 of 13 April 1998).
important information
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Show/Hide legal text1 Source: Inteliens. Comparative study carried out at the beginning of September 2023 of 16 financial institutions, on the conditions of mortgage products, which concludes the following: no institution in the analysed universe allows customers to choose the distribution between the percentage allocated to a fixed rate and the percentage allocated to a variable rate. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), public and private websites, visits to branches as a prospect and calls to financial institutions as a areal customer. Read the study here.
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Show/Hide legal text2 The maximum percentage allocated to each of the settlement tranches may not exceed 90%, and the sum of both tranches must not exceed 100% of the loan's nominal amount. Offer for new mortgages.
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Show/Hide legal text3 As long as none of the holders is over 75 years old when the loan matures.
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Show/Hide legal text4 The loan amount may not exceed 90,00% of the lower of these two values: the property's purchase value or appraisal value.
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Show/Hide legal text5 The final amount of the financial arrangement will be subject to the institution's risk criteria.