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

A fixed instalment for the entire life of the loan.

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Up to 10 years

Fulfilling conditions1
NIR per year3.30%

Without fulfilling conditions1
NIR per year4.60%

Up to 15 years

Fulfilling conditions2
NIR per year3.35%

Without fulfilling conditions2
NIR per year4.65%

Up to 20 years

Fulfilling conditions3
NIR per year3.40%

Without fulfilling conditions3
NIR per year4.70%

Up to 25 years

Fulfilling conditions4
NIR per year3.45%

Without fulfilling conditions4
NIR per year4.75%

Up to 30 years

Fulfilling conditions5
NIR per year3.50%

Without fulfilling conditions5
NIR per year4.80%

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

Who can apply?

Exclusive conditions for individuals residing in Spain looking to buy their primary residence or second home. Applicants must have a monthly income of at least €2,500.

Maximum amount

Up to 80% of the value of the primary residence and 60% of the second home, using either the acquisition price or the appraisal value as a reference, whichever is lower.

Maximum term

Thirty years provided that none of the holders will be over 75 years old at the end of the term.

Don't add more to your mortgage:

  • €0 management fees.
  • €0 notary fees.
  • €0 registration fee.
  • €0 stamp duty.

The application process consists of three easy steps.

It's normal to feel a little overwhelmed when you're buying a home. At Bankinter we not only simplify the steps but 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.

See Terms and conditions of the Fixed-Rate Mortgage Terms and 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 €2,500/month.

Up to 80% of the value of the primary residence and 60% of the second home, using the lower of the appraisal value or the purchase value as the benchmark.

Interest rates

The interest rate varies depending on the term chosen:

Up to 10 years
Fulfilling terms and conditions1:
  • 3.30% NIR
  • 4.05% APR
Without fulfilling terms and conditions1:
  • 4.60% NIR
  • 5.07% APR
Up to 15 years
Fulfilling terms and conditions2:
  • 3.35% NIR
  • 4.04% APR
Without fulfilling terms and conditions2:
  • 4.65% NIR
  • 5.56% APR
Up to 20 years
Fulfilling terms and conditions3:
  • 3.40% NIR
  • 4.05% APR
Without fulfilling terms and conditions3:
  • 4.70% NIR
  • 5.10% APR
Up to 25 years
Fulfilling terms and conditions4:
  • 3.45% NIR
  • 4.06% APR
Without fulfilling terms and conditions4:
  • 4.75% NIR
  • 5.13% APR
Up to 30 years
Fulfilling terms and conditions5:
  • 3.50% NIR
  • 4.09% APR
Without fulfilling terms and conditions5:
  • 4.80% NIR
  • 5.16% APR

The following products are optional for the customer, but if they are not acquired the rate applied when terms and conditions are fulfilled will be increased by the percentage points corresponding to the sum of each of the products not acquired.

Salary Account, Business Account or Non-Salary Account (discount of 0.40 percentage points).

Life insurance covering 100% of the mortgage amount, taken out 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 Liberty Seguros and brokered by Bankinter, S.A., Operador de Banca-Seguro (discount of 0.20 percentage points).

Pension Plan/EPSV: 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).

Contract amount and term

Minimum amount of €60,000.
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.


How much does a mortgage cost?

If you're thinking about applying for a mortgage to buy a home, you probably have a few questions. We're here to answer them!
Go to FAQs

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Information on taking out a mortgage and buying a home.
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It only takes a minute to apply for a personalised mortgage offer and there's no commitment to accept it.
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Offer valid until the total amount offered (25 million euros) has been reached.

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