Fixed-rate mortgage
Fixed-rate mortgage
The mortgage with the peace of mind of knowing your monthly payments will never change.
Calculate mortgageNo surprises
The peace of mind of your repayments always being the same, with nothing to worry about.Free simulation and tailor-made offer.
Calculate your monthly payment in just 3 minutes and receive a personalised quote, with no commitment.Personal manager
You will always have the help and assistance of a personal manager.
No commitment
Without adding anything to your mortgage
Management, registration, notary expenses and stamp duty.
Applying for your mortgage is really easy, with just three simple steps.
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Calculate your mortgage
Just enter the amount and term to find out your monthly repayment and taxes, etc. for the different types of mortgages.
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Request your personalised offer
We'll ask you for some additional information so that we can put together a detailed offer that suits your circumstances.
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Signed
When we send you your personalised offer, we'll tell you which documents you need to provide for that long-awaited moment: signing on the dotted line.
Frequently asked questions about Bankinter's Fixed-Rate Mortgage
How does the mortgage request process work?
The entire process is 100% online and comes with expert guidance. Here are the steps:
- 1. Try our free simulator and calculate your monthly repayment.
Use our free simulator to easily calculate how much you can borrow and how long it will take you to pay it back. You'll have all the information in just 3 minutes. Free, no registration required and no commitment.
You'll find out the amount of your monthly instalments, the interest rate, the associated expenses... Everything you need to know about your mortgage. - 2. Receive your personalised quote
The next step, also with no commitment, is to ask us for a quote that is 100% tailored to your actual circumstances. All online, no need to go anywhere. With your actual details, the quote may be better than the simulation and could even give you a pleasant surprise. - 3. Expert guidance and digital signature
With your personalised offer and the support of an expert, you can decide which mortgage best suits you. We'll be by your side throughout the entire process: We'll tell you what documents you need and guide you through the digital signing of your mortgage.
If you're not yet a customer, we’ll open an account for you completely free of charge to manage your mortgage.
What is the maximum and minimum amount I can request?
The loan amount may not exceed 80% of the lower of the property's purchase value or appraisal value for primary residences and 60% for second homes.
The minimum is 60,000 euros.
How long are these conditions valid for?
Offer valid until -- or until the total amount offered (25 million euros) has been reached. The mortgage is provided subject to the application being approved by Bankinter, S.A.
What is the difference between interest rates with and without discounts?
We offer optional products and services as a package for the customer when arranging the mortgage. If the customer does not want these combined products and services, the spread or interest rate increases, depending on whether it is a variable- or fixed-rate mortgage.
What happens if I don't renew the products and services that improve the interest rate?
If you include these products and subsequently cancel or fail to renew them, the initial spread or interest rate of the mortgage will increase for your future mortgage repayments.
Who can apply for a fixed-rate mortgage?
Exclusive conditions for individuals who are resident in Spain and looking to buy their primary residence or second home. For holders with a monthly income of more than €2,500.
What is the maximum number of years?
The maximum mortgage term is 30 years, provided that none of the holders is over 75 years old at the end of the term.
can I request a mortgage if I am a foreigner or non-resident?
Ask about our conditions for foreigners and non-residents. Should we call you?
What if I want to transfer my mortgage from another bank?
Consult our mortgage subrogation simulator. You can assess and compare, at a glance, the cost of your current mortgage with Bankinter's different options. With no commitment. All we need are a few simple details.
What are the expenses related to this mortgage?
The customer pays the appraisal cost and the arrangement fee of 500 euros.
The Bank will pay the expenses of the Notary, registry, management agency and stamp duty (the amount of which varies depending on the autonomous community where the mortgage is arranged), except in the Autonomous Community of the Basque Country (where the customer pays such costs, except for the acquisition of a primary residence which is exempt from this tax).
What is the NIR and the APR?
The NIR is the nominal interest rate, which is the fixed percentage agreed for borrowing money. It provides the basis for calculating the APR, so it's important. However, it's not a good basis for comparing loans because it's not necessarily annual and it doesn't take into account costs, etc.
The APR, or annual percentage rate, unlike the NIR or nominal interest rate, considers the expenses and fees associated with the loan or credit. It is, therefore, the most useful benchmark for comparing mortgages of the same type and term.
How can I improve the interest rate?
The interest rate varies depending on the term you choose and the discounts applied.
The following products are optional. However, if they are not included the rate applied will be increased by the percentage points corresponding to the sum of each of the products not included.
- Salary Account, Business Account or Non-Salary Account (discount of 0.30 percentage points).
- Life insurance covering the full mortgage amount, arranged with Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros (discount of 0.60 percentage points).
- Seguro Multirriesgo Hogar with minimum content coverage of €30,000.00 and structure coverage at least equivalent to the appraisal value of the property for insurance purposes, pursuant to Order ECO805/2003 of 27 March, taken out with Liberty Seguros, Compañía de Seguros y Reaseguros, S.A. and brokered by Bankinter, S.A., Operador de Banca-Seguros (discount of 0.30 percentage points).
- Pension plan/voluntary pension scheme: have a pension plan/voluntary pension scheme in place with the company Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire term of the loan and make a minimum annual contribution to it of €600 (bonus of 0.10 percentage points).
Checks will be made each year to ensure that the requirements for receiving the discount have been fulfilled.
What documents do I need to supply to apply for a mortgage?
The bank will usually request the following information: the ID number of the applicant(s) for the mortgage loan, the deeds of other properties owned, the personal income tax return for the last year, the deposit contract or deposit, if it has already been signed, etc. And the best thing is that you can simulate your mortgage and ask us for a personalised offer. One of our managers will help you in this process and will ask you for the documents needed in your case. Help will be available at all times.
At Bankinter, we help you understand the small print that is so hard to read. We set it out with representative examples.
Important information
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The monthly instalments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding instalments in the transaction, minus 1, all multiplied by the principal pending repayment ("interest" is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
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The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until - or until the total amount offered (€25 million) has been reached.
The loan amount may not exceed 80.00% of the lower of the two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 10 years, provided that none of the holders is over 75 years old at the end of the term.
Important information
-
The monthly instalments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding instalments in the transaction, minus 1, all multiplied by the principal pending repayment ("interest" is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
-
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until - or until the total amount offered (€25 million) has been reached.
The loan amount may not exceed 80.00% of the lower of the two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 15 years, provided that none of the holders is over 75 years old at the end of the term.
Important information
-
The monthly instalments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding instalments in the transaction, minus 1, all multiplied by the principal pending repayment ("interest" is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
-
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until - or until the total amount offered (€25 million) has been reached.
The loan amount may not exceed 80.00% of the lower of the two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 20 years, provided that none of the holders is over 75 years old at the end of the term.
Important information
-
The monthly instalments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding instalments in the transaction, minus 1, all multiplied by the principal pending repayment ("interest" is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
-
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until - or until the total amount offered (€25 million) has been reached.
The loan amount may not exceed 80.00% of the lower of the two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 25 years, provided that none of the holders is over 75 years old at the end of the term.
Important information
-
The monthly instalments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding instalments in the transaction, minus 1, all multiplied by the principal pending repayment ("interest" is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
-
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until - or until the total amount offered (€25 million) has been reached.
The loan amount may not exceed 80.00% of the lower of the two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 30 years, provided that none of the holders is over 75 years old at the end of the term.