ESSpanish ENEnglish CACatalan

Banco Santander
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ESSpanish ENEnglish CACatalan

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I want to buy

a house

Move my mortgage

to Santander

BASED ON THE EURIBOR

Discounted Variable Mortgage

With an interest rate that can go up or down depending on changes to the Euribor.

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ADVANTAGES OF A FIXED AND VARIABLE RATE

Mixed Mortgage

With a fixed repayment amount at the start of the mortgage loan then a variable repayment depending on the Euribor

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SAME INSTALMENT UNTIL MATURITY

Discounted Fixed Mortgage

You will know how much you will need to pay from start to finish, without any surprises.

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FOR THOSE UNDER 36

Mortgage for Young People

An opportunity to finance up to 95% of the child between the appraised or purchase value in 30 years.

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SUBROGATION OF MORTGAGE

Bring your mortgage

You could start saving on the monthly installment by changing your mortgage to Banco Santander.

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We have more mortages:

Change of Home Mortgage

Buy your new home while you are selling your old one.

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Mundo Mortgage

Buying a second home in Spain is possible, even if you live in another country.

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Other mortgages

To build your own home, buy commercial premises or for any other purpose.

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Altamira, Casaktua and Diglo Mortgages

With the option to finance up to 90%.

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Santander Properties

Take advantage of the range of properties offered by Altamira, Casaktua and Diglo

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Code of Good Practices

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According to RD 6/2012

Code of good practices

For customers on the poverty line.

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According to RD-Law 2022

Code of good practices

For customers at risk of vulnerability.

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BUY YOUR HOUSE

MORTGAGE INFORMATION

SIMULATOR

Calculate your monthly mortgage payment and its associated expenses

Whether it is your main home or second home, new or used, know the monthly payment of your mortgage for any province.

What is the difference between fixed and variable mortgage?

Know the characteristics of each one so that you can make the best choice.

5 Tips for Choosing a Mortgage

Choosing a mortgage is not easy. Here are the keys for you to find the one that best suits you.

YOU ARE INTERESTED IN

How does the new mortgage law affect you?

Mortgage tips and information: questions, FAQs, glossary terms and more.

I want to build my own house, how do I do it?

GLOSSARY

What is the cadastral value of a home?

We tell you what parameters you have to take into account to calculate the cadastral value of a home.

Novation of a mortgage

Discover everything related to the renegotiation of the conditions of the mortgage loan after the signing of the contract.

How to ask for a simple note in the registration of a property?

Know the information you must provide to carry out the procedure.

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What is financial leverage?

What is apr in mortgages?

What is the Euribor?

Can I deduct the mortgage on my return?

Descubre si cumples con los requisitos para deducir tu hipoteca en la declaración de la renta.

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What are the main types of mortgage?

Generally speaking, we can distinguish between two types of mortgage, based on the type of interest rate:

Fixed rate mortgage

In this instance, the bank will offer a fixed interest rate, thereby providing you with security against changes in the Euribor and allowing you to know what the monthly payment will be until maturity.

With fixed rate mortgages, you know that the price you pay will not be affected by market fluctuations.

Variable rate mortgage

If you choose to finance your property with a variable rate loan, this will mean that, on a regular basis, normally every 12 months, the interest rate to be paid will be revised in line with the Euribor rate.

We cannot forget that the amount that will be paid each month with variable mortgages will depend on the fall or rise of the Euribor.

For variable-rate mortgages, during 2024 the following will not be charged:

  • Fees for modifying the mortgage loan from variable to fixed/mixed rate (in mixed loans with a first fixed period of at least 3 years).
  • Fees or compensation for total or partial repayment or repayment of variable-rate loans or mortgage credits.
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How does the new mortgage law affect you?

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