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.
Featured Mortgage
Dual Mortgage
A revolutionary mortgage that combines fixed and variable interest at the same time.
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
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.Bankinter listens
We are here to answer your questions and banking queries, provide technical support, etc.
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