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Dual Mortgage
The only1 mortgage that combines variable and fixed interest in the same instalment.
You can choose how you want to split the proportion of variable and fixed interest2 from day one.
Want to switch your mortgage to Bankinter? Invest a few minutes, earn for years.
better financial decisions for your mortgage
Tips, steps, procedures, comparison tools... Everything you need to get to your new home.
MORTGAGES
Our mortgages
Choose the interest rate you prefer.
Hipoteca Destacada
Hipoteca Dual
Una hipoteca revolucionaria que combina el interés fijo y variable a la vez.
Mixed-rate Mortgage
The interest rate is fixed for the first few years and then variable.
Variable-Rate Mortgage
The traditional mortgage but with conditions like never before.
Youth Mortgages
If you're under 36 years old, choose our Youth Mortgage and pay it off in up to 40 years. 3 Alternatively, choose our Youth Mortgage 90 if you want us to finance 90%.4
Efficient Home Mortgage
If your house meets the energy efficiency requirements, you can unlock even more advantages, whichever mortgage type you choose: fixed-rate, mixed-rate or variable-rate.
Fixed-rate Mortgage
The same interest rate and payment throughout the life of the mortgage.
Don't add more to your mortgage
- Zero management expenses.
- Zero registration expenses.
- Zero notary expenses.
- Zero stamp duty.
Any questions?
Do the sums and get answers to your questions with our calculators. And if you need a personalised offer, just ask us.
Mortgage expenses calculator
Mortgage calculator
Personalised offer
Apply for your Bankinter mortgage in three easy steps.
Buying a home can be a bit overwhelming. At Bankinter, we simplify steps and guide you through them.
1. Calculate your mortgage
Just enter the amount and term to find out your monthly instalments and taxes, etc. for the different types of mortgages.2. Personalised offer
We'll ask you for some additional information to put together a detailed offer that fits your situation.3. Signature of your mortgage agreement
When we send you your personalised offer, we'll tell you the documents to provide for that long-awaited moment: signing on the dotted line.If you've reached this page, they might interest you.
We have different solutions for different needs.
Real estate portal
If you haven't made up your mind yet, take a look at our real estate portal. If you buy one of our properties, we'll finance up to 100% of the price.
Credichalet
A loan to build your home: from start to finish.Important documents
Code of good practices
Discover the Code of Good Practices established by Royal Decree Law 19/2022, of 22 november, on special measures to protect vulnerable mortgage borrowers.
Here'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
General Terms and Conditions of Mortgages (Ley 7/98 of 13 April 1998).
View general terms and conditions of mortgages in PDF format
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 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.
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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1 The final amount of the financial arrangement will be subject to the institution's risk criteria.