Compare offers published by Spanish banks and credit cooperatives: fixed,
variable and mixed, with TIN, APR, terms, maximum financing, bundled products
and fees. Click any row for the details.
Reviewed: 24 September 2026 · Latest monthly Euribor average 3.247% (Sep 2026)
60 offers
Scroll horizontally to see all columns.
Mortgage offers and published terms by lender
Bank
Product
Type
TIN (discounted / standard)
APR¹ (discounted / standard)
Max. term
Financing
Hipotecalc
Our service
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Fixed · Variable · Mixed
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CaixaBank
Large
Hipoteca CasaFácil Fijo
Fixed
2.85% / 3.85%
4.259% / 4.317%
30 years
80%
Bundled products / discounts
Salary payments, bills, card, home and life insurance and alarm, subject to CasaFácil discount terms.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Banco Santander
Large
Hipoteca Santander Fija
Fixed
2.96% / 3.96%
3.65% / 4.16%
30 years
80%
Financing
80% (70% for a second home; of valuation)
Spread / fixed period
2.96% for the first 6 months in both cases; the displayed rate pair applies thereafter.
Bundled products / discounts
Example of the maximum 1-point discount: salary ≥€1,000/month and Bizum or 6 credit-card transactions in 3 months (0.50 points), home insurance (0.20) and loan protection (0.30), with annual premiums above €300 per policy.
Fees
No arrangement fee. Early repayment: up to 2% in the first 10 years and 1.5% thereafter, capped at the lender’s financial loss.
Requirements / notes
Example: €150,000 over 30 years. Online offer valid until 15 October 2026. Second homes: up to 25 years.
Banco Santander
Large
Hipoteca Mixta Santander
Mixed
2.34% / 3.34% (fixed period)
3.82% / 4.30%
30 years
80%
Spread / fixed period
2.34% for the first 6 months; then 5 years at the displayed fixed rate. Thereafter: Euribor +0.74% / +1.74%.
Bundled products / discounts
Example of the maximum 1-point discount: salary ≥€1,000/month and Bizum or 6 credit-card transactions in 3 months (0.50 points), home insurance (0.20) and loan protection (0.30), with annual premiums above €300 per policy.
Fees
No arrangement fee. Early repayment during the fixed period: up to 2%, capped at the lender’s financial loss.
Requirements / notes
Example: €150,000 over 25 years. Total fixed period: 5 years and 6 months. Online offer until 15 October 2026.
Banco Santander
Large
Hipoteca Santander Variable
Variable
1.84% (first 6 months)
4.42% / 4.92%
30 years
80%
Financing
80% (70% for a second home; of valuation)
Spread / fixed period
From month 7: Euribor +0.84% / +1.84%.
Bundled products / discounts
Example of the maximum 1-point discount: salary ≥€1,000/month and Bizum or 6 credit-card transactions in 3 months (0.50 points), home insurance (0.20) and loan protection (0.30), with annual premiums above €300 per policy.
Fees
No arrangement fee. Early repayment: either 0.25% in the first 3 years or 0.15% in the first 5, as agreed, capped at the lender’s financial loss.
Requirements / notes
Example: €150,000 over 25 years.
BBVA
Large
Hipoteca Fija BBVA
Fixed
2.95% / 3.95%
3.78% / 4.62%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
First month: 2.95% in both cases; then the stated rate.
Bundled products / discounts
Income payments, home insurance and loan repayment insurance.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years. Youngest borrower’s age plus term ≤75 years. Offer until 30 September 2026.
BBVA
Large
Hipoteca Variable BBVA
Variable
1.99% (first year)
4.23% / 4.99%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 2: E+0.60% / E+1.60%. Annual rate review.
Bundled products / discounts
Income payments, home insurance and loan repayment insurance.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years. Youngest borrower’s age plus term ≤75 years. Offer until 30 September 2026.
Banco Sabadell
Large
Hipoteca Fija Bonificada
Fixed
2.75% / 3.75%
3.58% / 4.23%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Bundled products / discounts
Salary payments, life insurance, home insurance, payment protection insurance
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Banco Sabadell
Large
Hipoteca Variable Sabadell
Variable
1.50% / 2.50% (first year)
4.12% / 4.78%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 2: Euribor +0.50% / +1.50%.
Bundled products / discounts
Salary payments, life insurance, home insurance, payment protection insurance
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Banco Sabadell
Large
Hipoteca Mixta Sabadell 3
Mixed
1.80% / 2.70%
3.72% / 4.61%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 3 years. Thereafter: Euribor +0.70% / +1.60%.
Bundled products / discounts
Salary payments, life insurance, home insurance, payment protection insurance
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Banco Sabadell
Large
Hipoteca Mixta Sabadell 5
Mixed
2.10% / 3.00%
3.78% / 4.66%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 5 years. Thereafter: Euribor +1.00% / +1.90%.
Bundled products / discounts
Salary payments, life insurance, home insurance, payment protection insurance
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Banco Sabadell
Large
Hipoteca Mixta Sabadell 7
Mixed
2.45% / 3.35%
3.89% / 4.77%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 7 years. Thereafter: Euribor +1.30% / +2.20%.
Bundled products / discounts
Salary payments, life insurance, home insurance, payment protection insurance
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Bankinter
Large
Hipoteca Fija Bankinter
Fixed
3.50% / 4.80%
4.09% / 5.16%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Bundled products / discounts
Salary, Professional or Non-Salary account (0.30 points), home insurance (0.30), life insurance (0.60) and pension plan/EPSV contributions ≥€600/year (0.10).
Fees
Arrangement fee: €500.
Requirements / notes
Income above €2,500/month; age at maturity ≤75. Example: €150,000 over 30 years. Offer until 15 October 2026 or until the €25 million allocation is exhausted.
Bankinter
Large
Hipoteca Variable Bankinter
Variable
2.50% / 3.80% (first 3 years)
3.82% / 4.87%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 4: E+0.50% / E+1.80%. Annual rate review.
Bundled products / discounts
Salary, Professional or Non-Salary account (0.30 points), home insurance (0.30), life insurance (0.60) and pension plan/EPSV contributions ≥€600/year (0.10).
Fees
Arrangement fee: €500.
Requirements / notes
Income above €2,500/month; age at maturity ≤75. Example: €150,000 over 25 years.
Bankinter
Large
Hipoteca Mixta Bankinter 5
Mixed
2.95% / 4.25%
3.86% / 4.91%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 5 years. Then E+0.50% / E+1.80%.
Bundled products / discounts
Salary, Professional or Non-Salary account (0.30 points), home insurance (0.30), life insurance (0.60) and pension plan/EPSV contributions ≥€600/year (0.10).
Fees
Arrangement fee: €500.
Requirements / notes
Income above €2,500/month; age at maturity ≤75. Example: €150,000 over 25 years.
Bankinter
Large
Hipoteca Mixta Bankinter 10
Mixed
3.20% / 4.50%
3.89% / 4.95%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 10 years. Then E+0.50% / E+1.80%.
Bundled products / discounts
Salary, Professional or Non-Salary account (0.30 points), home insurance (0.30), life insurance (0.60) and pension plan/EPSV contributions ≥€600/year (0.10).
Fees
Arrangement fee: €500.
Requirements / notes
Income above €2,500/month; age at maturity ≤75. Example: €150,000 over 25 years.
Bankinter
Large
Hipoteca Mixta Bankinter 15
Mixed
3.45% / 4.75%
4.07% / 5.13%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 15 years. Then E+0.50% / E+1.80%.
Bundled products / discounts
Salary, Professional or Non-Salary account (0.30 points), home insurance (0.30), life insurance (0.60) and pension plan/EPSV contributions ≥€600/year (0.10).
Fees
Arrangement fee: €500.
Requirements / notes
Income above €2,500/month; age at maturity ≤75. Example: €150,000 over 25 years.
Unicaja Banco
Large
Hipoteca Fija Unicaja
Fixed
3.10% / 4.10%
4.09% / 4.24%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
First 6 months: 3.15% in both cases; the displayed rate applies thereafter.
Bundled products / discounts
Salary payments, direct debits, card, home and life insurance, funds/pension plan
Fees
Arrangement fee: 0.15%.
Requirements / notes
Terms for salary payments of at least €2,000 net/month. Example: €150,000 over 25 years; other income bands have different prices.
Unicaja Banco
Large
Hipoteca Variable Unicaja (nómina +2.000 €)
Variable
1.90% (first year)
4.33% / 4.44%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 2: Euribor +0.55% / +1.55%.
Bundled products / discounts
Salary payments, direct debits, card, home and life insurance, funds/pension plan
Fees
Arrangement fee: 0.15%.
Requirements / notes
Terms for salary payments of at least €2,000 net/month. Example: €150,000 over 25 years; other income bands have different prices.
Unicaja Banco
Large
Hipoteca Mixta Unicaja
Mixed
2.20% / 3.20%
3.99% / 4.18%
Not verified
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 5 years. Thereafter: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary payments, direct debits, card, home and life insurance, funds/pension plan
Fees
Arrangement fee: 0.15%.
Requirements / notes
Terms for salary payments of at least €2,000 net/month. Example: €150,000 over 25 years; other income bands have different prices.
Abanca
Large
Hipoteca Mari Carmen Fija
Fixed
2.95% / 3.95%
5.44% / 4.61%
30 years
80%
Bundled products / discounts
Salary payments, home and life insurance.
Fees
No arrangement fee.
Requirements / notes
Prices from the 15-year example; rates vary by term. The discounted APR exceeds the undiscounted APR.
Abanca
Large
Hipoteca Mari Carmen Variable
Variable
2.35% / 3.35% (first year)
5.70% / 5.04%
30 years
80%
Spread / fixed period
From year 2: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary payments, home and life insurance.
Fees
No arrangement fee.
Requirements / notes
Assess the product costs: in this example, the discounted APR is higher than the undiscounted APR.
Abanca
Large
Hipoteca Mari Carmen Mixta
Mixed
2.05% / 3.05%
5.20% / 4.52%
30 years
80%
Spread / fixed period
Fixed period: 5 years. Thereafter: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary payments, home and life insurance.
Fees
No arrangement fee.
Requirements / notes
Assess the product costs: in this example, the discounted APR is higher than the undiscounted APR.
Ibercaja Banco
Large
Hipoteca Vamos Fija
Fixed
2.55% / 3.55%
3.49% / 3.80%
25 years
80%
Financing
80% (95% for ages ≤35)
Spread / fixed period
First year: 2.55% in both cases; the displayed rate applies thereafter.
Bundled products / discounts
Salary ≥€2,500/month, 12 card transactions per half-year, 3 bills, home and life insurance and €75/month into investment funds.
Fees
No arrangement fee.
Requirements / notes
From €100,000; main residence. Example: €150,000 over 25 years.
Ibercaja Banco
Large
Hipoteca Vamos Variable
Variable
2.00% (first year)
4.34% / 4.67%
25 years
80%
Spread / fixed period
From year 2: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary ≥€2,500/month, 12 card transactions per half-year, 3 bills, home and life insurance and €75/month into investment funds.
Fees
No arrangement fee.
Requirements / notes
From €100,000; main residence. Example: €150,000 over 25 years.
Ibercaja Banco
Large
Hipoteca Mixta 5 Vamos
Mixed
2.00% / 3.00%
3.86% / 4.17%
25 years
80%
Spread / fixed period
First year: 2.00% in both cases; the displayed rate applies for the next 4 years. Thereafter: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary ≥€2,500/month, 12 card transactions per half-year, 3 bills, home and life insurance and €75/month into investment funds.
Fees
No arrangement fee; early repayment during the fixed period: up to 2%, capped at the lender’s financial loss.
Requirements / notes
From €100,000; main residence. Example: €150,000 over 25 years. Applications until 30 September 2026.
Ibercaja Banco
Large
Hipoteca Mixta 10 Vamos
Mixed
2.10% / 3.10%
3.50% / 3.80%
25 years
80%
Spread / fixed period
First year: 2.10% in both cases; the displayed rate applies for the next 9 years. Thereafter: Euribor +0.60% / +1.60%.
Bundled products / discounts
Salary ≥€2,500/month, 12 card transactions per half-year, 3 bills, home and life insurance and €75/month into investment funds.
Fees
No arrangement fee.
Requirements / notes
From €100,000; main residence. Example: €150,000 over 25 years.
Kutxabank
Large
Hipoteca Variable Kutxabank
Variable
2.07% (first year)
3.82% / 4.46%
30 years
80%
Spread / fixed period
From year 2: Euribor +0.49% / +1.49%.
Bundled products / discounts
Borrowers’ salary payments ≥€3,000/month, pension/EPSV contributions ≥€2,400/year and Kutxabank home insurance. Checked annually.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years for two borrowers aged 37; main home and a Kutxabank account.
Openbank
Online
Hipoteca Open Fija
Fixed
2.90% / 3.40%
3.44% / 3.67%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
30-year example; first 3 months at 2.90% in both cases. Rates differ for other terms.
Bundled products / discounts
Salary or income payments and home and life insurance: up to 0.50 percentage points off the rate.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 30 years.
Openbank
Online
Hipoteca Open Mixta
Mixed
2.80% / 3.30%
3.81% / 4.03%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 5 years; first 3 months at 2.80% in both cases. Thereafter: Euribor +0.60% / +1.10%.
Bundled products / discounts
Salary or income payments and home and life insurance: up to 0.50 percentage points off the rate.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years.
Openbank
Online
Hipoteca Open Variable
Variable
2.00% / 2.50% (first year)
4.02% / 4.25%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
First 3 months: 2.00% in both cases. From year 2: Euribor +0.65% / +1.15%.
Bundled products / discounts
Salary or income payments and home and life insurance: up to 0.50 percentage points off the rate.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years.
ING
Online
Hipoteca Naranja Fija
Fixed
3.80% / 4.30%
4.53% / 4.41%
25 years
80%
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement fee. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Variable 1
Variable
2.10% / 2.60%
4.14% / 4.01%
40 years
80%
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Initial period: 1 year. Then E+0.60% / E+1.10%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment: up to 2% during the initial fixed period; in the variable period, up to 0.15% if within the first 5 years. Charges capped at the lender’s financial loss.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Variable 3
Variable
2.75% / 3.25%
4.24% / 4.12%
40 years
80%
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Initial period: 3 years. Then E+0.84% / E+1.34%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment: up to 2% during the initial fixed period; in the variable period, up to 0.15% if within the first 5 years. Charges capped at the lender’s financial loss.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Mixta 5
Mixed
3.00% / 3.50%
4.22% / 4.10%
40 years
80%
Max. term
40 years (minimum 9)
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Fixed period: 5 years. Then E+0.89% / E+1.39%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment in the fixed period: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss; no charge in the variable period.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Mixta 10
Mixed
3.25% / 3.75%
4.22% / 4.09%
40 years
80%
Max. term
40 years (minimum 11)
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Fixed period: 10 years. Then E+1.09% / E+1.59%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment in the fixed period: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss; no charge in the variable period.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Mixta 15
Mixed
3.55% / 4.05%
4.36% / 4.24%
40 years
80%
Max. term
40 years (minimum 16)
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Fixed period: 15 years. Then E+1.24% / E+1.74%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment in the fixed period: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss; no charge in the variable period.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
ING
Online
Hipoteca Naranja Mixta 20
Mixed
3.70% / 4.20%
4.44% / 4.32%
40 years
80%
Max. term
40 years (minimum 21)
Financing
80% (second home: 75% for existing clients and 65% for new clients)
Spread / fixed period
Fixed period: 20 years. Then E+1.24% / E+1.74%.
Bundled products / discounts
Salary or pension, external transfers ≥€600/month or a daily balance ≥€2,000, plus home and life insurance. Total discount: 0.50 points. Free payment account.
Fees
No arrangement or partial repayment fee. Full repayment in the fixed period: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss; no charge in the variable period.
Requirements / notes
Main-home example: €150,000 over 25 years. Age at maturity ≤75. Discounted APR includes insurance costs.
COINC (Bankinter)
Online
Hipoteca Variable COINC
Variable
2.30% / 2.70%
3.41% / 3.86%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 3 years. Thereafter: Euribor +0.50% / +0.90%.
Bundled products / discounts
Bankinter salary, professional or non-salary account: 0.40 percentage-point discount.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years.
COINC (Bankinter)
Online
Hipoteca Fija COINC
Fixed
2.99% / 3.39%
3.28% / 3.75%
30 years
80%
Financing
80% (60% for a second home; of the lower of purchase price or valuation)
Bundled products / discounts
Bankinter account
Fees
No arrangement fee.
Requirements / notes
Prices from the 10-year example; they do not apply automatically to the maximum 30-year term.
Pibank
Online
Hipoteca Pibank Mixta
Mixed
1.99%
3.40%
35 years
90% of purchase price
Financing
90% of purchase price (capped at 80% of valuation)
Spread / fixed period
Fixed period: 4 years. Thereafter: Euribor +0.68%.
Bundled products / discounts
No rate discounts; payment account and property damage insurance, which may be taken out with another insurer.
Fees
No arrangement or partial or full early repayment fees.
Requirements / notes
At least one borrower must be a civil servant or have a permanent contract; example of €150,000 over 25 years.
MyInvestor
Online
Hipoteca Sin Mochila Fija
Fixed
3.40%
3.61%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Bundled products / discounts
NO bundled products
Fees
No arrangement fee for main-home purchases up to 80% or second homes up to 70%; loan increases, ending joint ownership or cash release: 1%.
Requirements / notes
New-purchase example: €150,000 over 30 years, without an arrangement fee. Minimum combined net income: €4,000/month.
MyInvestor
Online
Hipoteca Sin Mochila Variable
Variable
2.75% (first year)
3.96%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 2: E+0.79%. Annual rate review.
Bundled products / discounts
NO bundled products
Fees
No arrangement fee for main-home purchases up to 80% or second homes up to 70%; loan increases, ending joint ownership or cash release: 1%.
Requirements / notes
New-purchase simulator: €100,000 over 30 years. Joint net income ≥€4,000/month (€3,000 for civil servants); age at maturity ≤75; minimum loan €100,000.
Banca March (Avantio)
Mid-size
Hipoteca Fija Avantio
Fixed
2.65% / 3.35%
3.009% / 3.475%
30 years
80%
Spread / fixed period
First year: 2.65% in both cases; the displayed rate applies thereafter.
Bundled products / discounts
One borrower’s direct income payments ≥€4,000/month (0.20 points), life insurance covering the outstanding balance (0.30) and home insurance (0.20). Maximum: 0.70 points.
Fees
No arrangement fee.
Requirements / notes
New resident customers; household income ≥€4,000/month. Minimum €200,000 for purchases or €150,000 for remortgages. Simulator example.
Banca March (Avantio)
Mid-size
Hipoteca Avantio Mixta
Mixed
2.85%
3.648% / 3.969%
30 years
80%
Spread / fixed period
Fixed period: 5 years. Thereafter: Euribor +0.75% / +1.45%.
Bundled products / discounts
One borrower’s direct income payments ≥€4,000/month (0.20 points), life insurance covering the outstanding balance (0.30) and home insurance (0.20). Maximum: 0.70 points.
Fees
No arrangement fee.
Requirements / notes
New resident customers; household income ≥€4,000/month. Minimum €200,000 for purchases or €150,000 for remortgages. Simulator example.
Banca March (Avantio)
Mid-size
Hipoteca Avantio Variable
Variable
2.75% (first year)
3.907% / 4.384%
30 years
80%
Spread / fixed period
From year 2: Euribor +0.75% / +1.45%.
Bundled products / discounts
One borrower’s direct income payments ≥€4,000/month (0.20 points), life insurance covering the outstanding balance (0.30) and home insurance (0.20). Maximum: 0.70 points.
Fees
No arrangement fee.
Requirements / notes
New resident customers; household income ≥€4,000/month. Minimum €200,000 for purchases or €150,000 for remortgages. Simulator example.
Cajamar Caja Rural
Cooperative
HipotecON Fija
Fixed
2.85% / 3.65%
3.72% / 3.91%
30 years
80%
Bundled products / discounts
Membership (minimum €61 share), income and bills, online banking, life and home insurance, card use and savings/investments.
Fees
No arrangement fee. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Household income ≥€4,000/month; debt payments ≤30% of income; loan above €60,000. Example: €100,000 over 30 years.
imagin (CaixaBank)
Online
Hipoteca Fija imaginBank
Fixed
3.05% / 3.80%
3.774% / 4.288%
Not verified
Not verified
Bundled products / discounts
Salary payments, home and life insurance.
Fees
No arrangement fee.
Requirements / notes
Loan granted by CaixaBank. Example: €150,000 over 25 years. Apply through the app.
Banco Mediolanum
Mid-size
Hipoteca Freedom Variable
Variable
1.50% (first year)
3.87% / 4.42%
30 years
80%
Financing
80% (of the lower of purchase price or valuation)
Spread / fixed period
From year 2: E+0.65% / E+1.35%. Quarterly rate review.
Bundled products / discounts
Income ≥€3,000/month: 0.55 points; €1,200 to below €3,000: 0.40. Generali life insurance: 0.15. Maximum: 0.70 points; checked quarterly.
Fees
Arrangement fee: 1%. Free current account for the mortgage term.
Requirements / notes
Main home, second home, investment or refinancing. Age at maturity ≤80. Example: €150,000 over 25 years. Applications until 30 September 2026.
Banco Mediolanum
Mid-size
Hipoteca Freedom Mixta
Mixed
2.50% / 3.20% (years 2–5)
3.65% / 4.20%
30 years
80%
Financing
80% (of the lower of purchase price or valuation)
Spread / fixed period
First year: 1.99% in both cases. Years 2–5: stated fixed rate. From year 6: E+0.79% / E+1.49%; quarterly rate review.
Bundled products / discounts
Income ≥€3,000/month: 0.55 points; €1,200 to below €3,000: 0.40. Generali life insurance: 0.15. Maximum: 0.70 points; checked quarterly.
Fees
Arrangement fee: 1%. Free current account for the mortgage term.
Requirements / notes
Main home, second home, investment or refinancing. Age at maturity ≤80. Example: €150,000 over 25 years. Applications until 30 September 2026.
Caja de Ingenieros
Cooperative
Hipoteca Fija 15 · 60%
Fixed
2.75% / 3.75%
3.626% / 4.434%
15 years
60%
Financing
60% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Fija 20 · 60%
Fixed
2.80% / 3.80%
3.606% / 4.430%
20 years
60%
Financing
60% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Fija 30 · 60%
Fixed
2.85% / 3.85%
3.606% / 4.441%
30 years
60%
Financing
60% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Fija 15 · 80%
Fixed
2.85% / 3.85%
3.728% / 4.537%
15 years
80%
Financing
80% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Fija 20 · 80%
Fixed
2.90% / 3.90%
3.707% / 4.532%
20 years
80%
Financing
80% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Fija 30 · 80%
Fixed
2.95% / 3.95%
3.707% / 4.543%
30 years
80%
Financing
80% (of the lower of purchase price or valuation)
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment: up to 2% in the first 10 years and 1.5% afterwards, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000; APRs correspond to the term and financing percentage shown in each row.
Caja de Ingenieros
Cooperative
Hipoteca Mixta 5
Mixed
2.85% / 3.85%
4.055% / 4.890%
30 years
80%
Financing
80% (of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 5 years. Then E+0.65% / E+1.65%.
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment during the fixed period: up to 2%, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000 over 25 years. Annual review of discounts and the variable rate.
Caja de Ingenieros
Cooperative
Hipoteca Mixta 10
Mixed
2.95% / 3.95%
3.911% / 4.744%
30 years
80%
Financing
80% (of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 10 years. Then E+0.65% / E+1.65%.
Bundled products / discounts
Salary, 3 direct debits and a credit card (0.25 points); 5-year single-premium payment protection (0.15); life (0.40) and home insurance (0.20). Card fee waived with spending ≥€1,000/year.
Fees
Arrangement fee: 0% discounted / 0.75% standard. Account: €18/quarter unless fee-waiver conditions are met. Early repayment during the fixed period: up to 2%, capped at the lender’s financial loss.
Requirements / notes
Main-home purchase. Example: €150,000 over 25 years. Annual review of discounts and the variable rate.
Arquia Banca
Mid-size
Hipoteca Mixta Arquia
Mixed
2.25% / 3.25%
3.82% / 4.48%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
Fixed period: 3 years. Then E+0.69% / E+1.69%.
Bundled products / discounts
Income ≥€1,000/month (0.25 points), life insurance for the full loan (0.40), home insurance (0.25) and 5 direct debits (0.10). Maximum: 1 point.
Fees
Arrangement fee: €750 in the €150,000 example.
Requirements / notes
Example: €150,000 over 25 years for a first or second home. APR assumes Euribor of 2.855%.
Arquia Banca
Mid-size
Hipoteca Variable Arquia
Variable
1.75% / 2.75% (first year)
3.99% / 4.66%
30 years
80%
Financing
80% (70% for a second home; of the lower of purchase price or valuation)
Spread / fixed period
From year 2: E+0.69% / E+1.69%.
Bundled products / discounts
Income ≥€1,000/month (0.25 points), life insurance for the full loan (0.40), home insurance (0.25) and 5 direct debits (0.10). Maximum: 1 point.
Fees
No arrangement fee.
Requirements / notes
Example: €150,000 over 25 years for a first or second home. APR assumes Euribor of 2.855%.
Cajamar Caja Rural
Cooperative
HipotecON Mixta
Mixed
2.30% / 3.10%
3.96% / 4.17%
30 years
80%
Spread / fixed period
Fixed period: 5 years. Thereafter: Euribor +0.60% / +1.40%.
Bundled products / discounts
Membership (minimum €61 share), income and bills, online banking, life and home insurance, card use and savings/investments.
Fees
No arrangement fee. Early repayment: either 0.25% in the first 3 years or 0.15% in the first 5, as agreed, capped at the lender’s financial loss.
Requirements / notes
Main home; term 25–30 years; household income ≥€4,000/month; debt payments ≤35% of income; loan above €60,000. Example: €100,000 over 30 years.
¹ Variable APR for variable and mixed mortgages. E = 12-month Euribor. LCCI: Spanish Real Estate Credit Contracts Act; FEIN: European Standardised Information Sheet (ESIS).
How to read the table: rate pairs show
discounted / standard prices, unless different periods are specified. Check the
introductory period and subsequent spread in the details. A single figure does not imply that both prices are available.
APR includes the costs in the lender’s example; compare the same loan amount, term and bundled products.
Variable and mixed mortgages show variable APR under each lender’s assumptions, which may use
a different Euribor from the figure above. We do not recalculate published APRs.
Sources and review frequency are detailed in our
methodology. Explanatory terms are translated into English;
lender and product names retain their official wording.
All figures are indicative and change frequently. Before contracting, request
the FIPRE and personalised ESIS (FEIN) from each institution and read our
financial disclaimer.
You can simulate the payment for any of these offers with the
mortgage calculator.
Frequently asked questions
What is the difference between TIN and APR?▼
TIN is the nominal interest rate. APR adds fees and the costs included in the lender’s example, such as products required to obtain that price. Compare examples with the same loan amount, term and discounts. Variable APR assumes the reference index stays unchanged: it is not a forecast of future costs.
What do discounted and standard rates mean?▼
A discounted rate requires conditions such as salary payments or insurance. A pair of figures shows the discounted price first and the standard price second, unless the text specifies different periods. A lower TIN does not guarantee a lower APR: compare product costs with the interest saving.
Which offers are included in the comparison?▼
We include offers with TIN and APR that can be verified on the lender’s website, in its pre-contractual documents or in its calculator. Each offer’s details describe the periods, discounts and conditions of the published example. Products without verifiable prices are excluded. The update date appears in the header.
Can I negotiate these terms with the lender?▼
Published terms are commercial examples subject to a credit assessment. Your loan amount, term, income and savings may result in a different offer. Consult the FIPRE for general product information and request the personalised European Standardised Information Sheet (ESIS, or FEIN in Spanish) to compare the terms offered to you.