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Are you under 36? Our mortgages for young people offer up to 90% financing.
Find out more young person's mortgage

Without having to choose

A mortgage combining a fixed interest rate in the first few years followed by a variable rate for the rest.

Tailored offer

Simulate and request a non-binding customised offer. You can work out the costs with real figures: repayments, taxes, etc.

Personal manager

You will always have the help and assistance of a personal manager.
We explain it to you with a real example: Find out the conditions of your mortgage
See example

 

For a 25-year term, choose the tranches that best suit your needs.

Fixed-rate period
Interest rate
During the first years:
Remaining years
Variable APR
Up to 10 years
Without discount
- Annual NIR
Euribor +-
- Variable APR1See example
Up to 10 years
With discount
- Annual NIR
Euribor +-
- Variable APR1See example
Up to 15 years
Without discount
- Annual NIR
Euribor +-
- Variable APR1See example
Up to 15 years
With discount
- Annual NIR
Euribor +-
- Variable APR1See example
Up to 20 years
Without discount
- Annual NIR
Euribor +-
- Variable APR1See example
Up to 20 years
With discount
- Annual NIR
Euribor +-
- Variable APR1See example

You can improve the interest rate on your mortgage by meeting certain conditions.

Some Bankinter products reduce and improve the interest rate on your mortgage. There's no obligation to have them, but you'll pay less for your mortgage if you do:

  • A Salary, Business or Non-Salary account;
  • Life insurance covering the full mortgage amount;
  • Comprehensive home insurance;
  • and/or a Pension plan/EPSV.

No commitment

Calculate your instalment and request your personalised offer, all online.

Without adding anything to your mortgage

Applying for your mortgage is really easy, with just three simple steps.

  • Calculate your mortgage

    Just enter the amount and term to find out your monthly repayment and taxes, etc. for the different types of mortgages.

  • 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.

  • 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.

The variable interest rate will be reviewed annually.
Offer valid until the total amount offered (25 million euros) has been reached.

Frequently asked questions about the Bankinter Mixed Mortgage

See What is the maximum and minimum amount I can request? 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.

See What is the maximum number of years? 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.

See What are the expenses related to this mortgage? 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).

See How long are these conditions valid for? 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.

See Who can apply for a fixed-rate mortgage? 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.

See can I request a mortgage if I am a foreigner or non-resident? 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?

See What are the differences between a fixed-rate, a variable-rate and mixed mortgage? What are the differences between a fixed-rate, a variable-rate and mixed mortgage?

The most important difference between a fixed-rate, a variable-rate and a mixed mortgage is the way in which you will pay it. This difference also affects the financial conditions. If you don't know which to choose, focus on three aspects: the interest rate, the term and the instalments.

With a fixed-rate mortgage, the interest rate remains the same throughout the life of the mortgage. This is handy because you'll always know how much your monthly intalment is and you won't get any nasty surprises if the benchmark (usually the Euribor) rises. However, the repayment period for a fixed-rate mortgage is usually shorter, meaning that the instalments are usually higher.

With a variable-rate mortgage, the interest rate depends on the benchmark index and a fixed spread. This means that your monthly instalment may rise or fall depending on the benchmark index. The interest rate is usually updated every six months. However, the repayment term for a variable-rate mortgage is usually longer, meaning smaller instalments.

Lastly, a mixed mortgage combines a fixed-rate monthly instalment for the first few years and the remaining years at a variable rate. During the first year, approximately, a variable-rate mortgage also has a fixed initial interest, after which the benchmark index is combined with the spread.

See What are the differences between a mixed mortgage and a dual mortgage? What are the differences between a mixed mortgage and a dual mortgage?

With the mixed mortgage, you don't pay a fixed interest rate and a variable rate at the same time, but rather a fixed rate for the first few years and then a variable rate for the remaining years You can choose the number of years for the initial period at the fixed rate, and then you will pay a variable rate for the remaining years.

With the dual mortgage, each montly instalment includes both rates of interest.

See What is the difference between interest rates with and without discounts? 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.

See How can I improve the interest rate? 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.

See What happens if I don't renew the products and services that improve the interest rate? 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.

See What documents do I need to supply to apply for a mortgage? 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.

See What if I want to transfer my mortgage from another bank? 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.

 

At Bankinter, we help you understand the small print that is so hard to read.

Here we show you the information on these mortgages with representative examples of all their tranches.

Mixed mortgage with a 10-year fixed rate period WITHOUT discount

Term of loan: 25 years (300 monthly repayments)
Monthly instalment first 10 years: -
Loan amount: 150.000€
Monthly instalment remaining years: - + final instalment -
Variable APR: -
Total interest: -
Interest rate first 10 years: - (120 months) monthly instalments. After the first 10 years, the interest rate will be reviewed annually.
Total cost: -
Interest rate remaining years: 12-month Euribor (-) + a spread of -
Total amount repayable: -
Simulate and request a non-binding customised offer. You can work out the costs with real figures: repayments, taxes, etc.

Other mortgages you may be interested in

Dual mortgage

Content Dual mortgage
With the dual mortgage you don't have to choose, because you can combine the two interest rates in a single repayment.

Mixed mortgage

Content Mixed mortgage
The interest rate is fixed for the first few years, followed by a variable rate.

Variable-rate mortgage

Content Variable-rate mortgage
The mortgage with the peace of mind of knowing your monthly payments will never change.

Bankinter, here to help

We're here to answer all your questions about transactions and provide technical support and information about our products and services.

More information
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