Fixed-Rate Mortgage

The mortgage that offers you the peace of mind of knowing that your instalments will never change.

The simplest mortgage.
A fixed instalment for the entire life of the loan.

  • Up to 10 years1 Fulfilling conditions:
    NIR 1.50% per annum
    APR: 2.32%
    Without fulfilling conditions:
    NIR 2.80% per annum
    APR: 3.24%
  • Up to 15 years2 Fulfilling conditions:
    NIR 1.60% per annum
    APR: 2.37%
    Without fulfilling conditions:
    NIR 2.90% per annum
    APR: 3.29%
  • Up to 20 years3 Fulfilling conditions:
    NIR 1.69% per annum
    APR: 2.42%
    Without fulfilling conditions:
    NIR 2.99% per annum
    APR: 3.36%
  • Up to 25 years4 Fulfilling conditions:
    NIR 1.74% per annum
    APR: 2.44%
    Without fulfilling conditions:
    NIR 3.04% per annum
    APR: 3.39%
  • Up to 30 years5 Fulfilling conditions:
    NIR 1.79% per annum
    APR: 2.47%
    Without fulfilling conditions:
    NIR 3.09% per annum
    APR: 3.42%

That's what you get with our fixed-rate mortgage

Qué crédito hipotecario es el mejor?

See Conditions of the Fixed-Rate mortgage Conditions of the Fixed-Rate mortgage

Terms and conditions

To buy your primary residence or second home.

For individuals residing in Spain (for non-residents, consult us for conditions) whose total income is over €2,000/month.

Up to 80% of the value of the primary residence and 60% of the second home, using one of the following, whichever is lower, as a reference: appraisal value or the purchase value as the benchmark.

Interest rates

The interest rate varies depending on the term chosen:

Up to 10 years1 | 1.50% NIR | Fulfilling conditions: AER 2.32% | Without fulfilling conditions: AER 3,24%

Up to 15 years2 | 1.60% NIR | Fulfilling conditions: AER 2.37% | Without fulfilling conditions: AER 3,29%

Up to 20 years3 | 1.69% NIR | Fulfilling conditions: AER 2.42% | Without fulfilling conditions: AER 3,36%

Up to 25 years4 | 1.74% NIR | Fulfilling conditions: AER 2.44% | Without fulfilling conditions: AER 3,39%

Up to 30 years5 | 1.79% NIR | Fulfilling conditions: AER 2.47% | Without fulfilling conditions: AER 3,42%

Interest rate for the life of the mortgage as long as you meet these conditions:

Salary Account, Professional Account or Non-Salary Account (discount of 0.50 percentage points).

Life insurance for 100% of the amount of the mortgage loan, contracted with Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros (discount of 0.60 percentage points).

Comprehensive Household Insurance with a minimum content coverage of €30,000 and a structure capital equivalent to the appraisal value of the property for insurance purposes, contracted with Línea Directa Asegurada, S.A and brokered by Bankinter, S.A., Operador de Banca-Seguro (discount of 0.10 percentage points).

Pension Plan/Voluntary Pension Scheme: A pension plan/voluntary pension scheme with Bankinter Seguros de Vida (a Bankinter Group company) valid for the duration of the mortgage, with minimum annual contributions to the plan of €600 (discount of 0.10 percentage points).

Arranging the products as described above is entirely optional for the customer. The aforementioned rate will be increased by the corresponding percentage points for each of these products that is not arranged.

Contract amount and term

Minimum amount of €30,000.
Maximum term of 30 years.

Arrangement fee

The arrangement fee is €500.

Mortgage expenses

The customer will pay the appraisal costs. 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).

The mortgage is provided subject to the application being approved by Bankinter, S.A.

Offer valid until 15/04/2020 or until reaching a total of €25 million.

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We're here to answer your questions and banking queries, provide technical support, etc.

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