Mortgages for young people
If you are under 36 years old and want a mortgage to buy your first home, this is for you.
90 Young Variable-Rate Mortgage
If you can't make it yourself, we'll make it up to 90%.
Content If you can't make it yourself, we'll make it up to 90%.- You can obtain up to 90% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.
Hmm... Don't these mortgages suit you?
We thought they were the ones that would best suit you, your age and your situation, but if we didn't get it right, there are other options that come with special conditions for young people like you who are starting out. Your local branch will be happy to explain all the details. These are as follows:
Variable-Rate Mortgage for Young People
- Maximum term: 40 years.
- Up to 80% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.
- Minimum joint income of all holders: €2,000/month.
Young mixed-rate mortgage
- Neither fixed nor variable: A little fixed, a little variable.
- Maximum term: 40 years.
- To buy your first home.
I prefer to compare all the characteristics and see the differences between fixed, variable and mixed mortgages.
Apply for your Bankinter mortgage in 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.When a question arises, a conversation begins. Shall we talk?
Would you like us to give you a call?
I would rather call you
From 8:00 to 18:00 Monday to Friday.Would you prefer to come into one of our branches and chat face to face?
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If you know what house you want and how much you need, simulate your mortgage.
Do you need help?
Source: Inteliens. Comparative study conducted in September 2025 among 16 financial institutions on mortgage product conditions, which concludes: no institution in the analysed universe allows customers to choose the distribution between the percentage allocated to a fixed rate and the percentage allocated to a variable rate. The sources of information were: Inteliens Financial Observatory for Monitoring Competition, sweeping public websites, visits to branches and queries on social media (FB) as a potential customer. Read the study here.
El importe del préstamo no podrá ser superior al 90,00% del menor de los dos valores: valor de compra o valor de tasación de la vivienda. Duración máxima de la hipoteca 30 años, siempre que ninguno de los titulares supere los 75 años al finalizar la vida del préstamo.