Mixed-rate Mortgage

Neither black nor white.
Neither fixed nor variable.

Fixed tranche

  • Up to 10 years NIR 1.60% per year
    Variable APR: 2.30% 1

    Fulfilling conditions 1
  • Up to 15 years NIR 1.75% per year
    Variable APR: 2.45%2

    Fulfilling conditions 2
  • Up to 20 years NIR 1.80% per year
    Variable APR: 2.50%3

    Fulfilling conditions 3

Variable tranche

  • Euribor+0.99%

A mortgage that combines a fixed interest rate with a variable rate.

Whatever the type of home

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See Mixed mortgage terms and conditions Mixed mortgage terms and conditions

The Mixed Mortgage is a mortgage loan that combines an initial fixed-rate period with a second variable-rate period until the maturity of the loan.

The initial fixed-rate period may have a maximum duration of up to 20 years (the number of years can be chosen).

Terms and conditions

To buy your primary residence or second home.

For individuals resident in Spain (contact us for terms and conditions for non-residents) whose total income exceeds €2,000/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 | 1.60% NIR | 2.30% APR1 variable.

Up to 15 years | 1.75% NIR | 2.45% APR2variable.

Up to 20 years | 1.80% NIR | 2.50% APR3 variable.

The variable interest rate for the remaining years will be the Euribor + 0.99% in all cases.

This spread is maintained throughout the life of the mortgage, providing that these terms and conditions are met:

Payroll Account, Business Account or non-payroll 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/EPSV: To have contracted a pension plan/EPSV and to keep it in effect for the entire term of the loan, with the company Bankinter Seguros de Vida (a Bankinter, S.A. Group company), and to make a minimum annual contribution to that 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 subject to approval of the application by Bankinter, S.A.

Offer valid until 20/02/2020 or until reaching a total of €25 million.

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