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For your home
Better here? Better there? Better a little bigger? Better an extra bedroom?
The best? What will “your” home be like? It's probably one of the most important decisions you'll ever make: the effort involved, the excitement, the difficulty of choosing the right place, the fear of getting it wrong, the mortgage... Yes, all of that's true, but we're here to make it easier, more human.
Mortgage your house, not your life.
Your mortgage instalment will be the biggest expense in your household budget, so it's only natural to worry about it. That's why we advise you to bear these tips in mind before you take one out:
- Set a reasonable, objective budget before you start looking for a house.
- Ideally, your monthly mortgage instalments should not exceed 40% of your net monthly income.
Your mortgage will be with you for a very long time, so it's important to make sure that your debt capacity isn't compromised by the inevitable unforeseen events that may arise now and again.
Need more information? We're here to help.
Mortgage calculator
Do the maths: what kind of house can I afford?
Enter a few basic details in our mortgage calculator to get an idea of how much your mortgage will cost: calculate the instalments, taxes and related expenses. You can change the mortgage amount as many times as you want until you get an instalment that you can afford.
Calculate mortgage about calculate mortgage
Bankinter mortgages
Everyone is different and so are our mortgages.
If there's one thing we're clear about at Bankinter, it's that we're all different with different needs. With our range of mortgages, you're sure to find the one that's right for you.
Fixed-rate mortgage
Always pay the same, a fixed instalment for the life of the loan:
- Up to 30 years
- For primary residences and second homes
Mixed mortgage
You'll have a fixed interest rate during the early years and then a variable rate for the remaining years:
- Up to 20 years
- For primary residences and second homes
Hipoteca Sin Más
With our Hipoteca sin más mortgage, the only guarantee we need is your house:
- Up to 30 years
- For primary residences
Variable-rate mortgage
The classic mortgage but with Bankinter terms and conditions:
- Up to 30 years
- For primary residences and second homes
Expenses calculator
Tax, registration, notary, deeds, appraisal... Don't forget anything.
You'll only pay them once, at the beginning of your mortgage, but you still need to bear them in mind when you're working out the expenses.
Seen the house you want to buy? Great!
We're happy to offer you an agreement in principle with no obligation to take out a mortgage.
More for your home
Real estate portal: Still not found a house?
Our real estate portal lists more than a thousand properties, including homes, premises and garages. Choose one of these properties, and you could get up to 100% financing.Home insurance: Protect your house, protect your home.2
Linea Directa home insurance gives you everything expect from a policy: a lot for very little.Important Information
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Show/Hide legal text1 Payment protection insurance offered by Insurance offered by Plus Ultra Seguros Generales y Vida, S.A. de Seguros and Reaseguros Bankinter Seguros de Vida S.A. de Seguros y Reaseguros and comprehensive home insurance by Línea Directa Aseguradora S.A. de Seguros y Reaseguros, sold through Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, which has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions listedhere.
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Show/Hide legal text2 Bankinter, S.A., as a BANCASSURANCE OPERATOR with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded under Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of TIN A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
Única card1
A card with everything for everything
- Split your purchases in a few easy steps.
- Withdraw cash from your account at more than 17,000 free ATMs.
- Transfer funds to your account.
Bankinter Solidarios card1
Help us with our solidarity projects.
- they get up to 5% of what you spend.
- Choose when and how much you want to pay2.
- We donate 100% of the fee.
Quiero card1
Instant access to extra expenses.
- No issuance or maintenance fee.
- Choose when and how much you want to pay2.
- Withdraw cash from your account at more than 17,000 free ATMs.
Bankinter listens
We are here to answer your questions and banking queries, provide technical support, etc.
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