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Banco Sabadell Mortgages

Compare our mortgages

Calculate your mortgageCalculate your mortgageDiscover our mortgage loans
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Choose the type that best suits you with our simulator. Discover the new Banco Sabadell Mixed Mortgage now! 
Improve your interest rate and your monthly payment with our discounted mortgages.
No arrangement fee! Choose a mixed, fixed or variable mortgage, both discounted and non-discounted. 
If you already have a mortgage with another bank, you can bring it to Banco Sabadell with a very simple process.
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Simulate your mortgage now and find
out which one suits you best 

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Shall we help you calculate your mixed, variable or fixed mortgage, the expenses and how much money we could lend you? Start by choosing where you are in the process:

Have you now found the house you want?


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The result of this simulation will be advertising and indicative based on provisional data. To prepare it, we will base ourselves on current market conditions and on the data that you provide us through the next screens. If you want to apply for a mortgage once you see the result of your simulation, you should contact us for more information and receive your personalized offer.
 
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You choose the type of mortgage that suits you best

You can choose between paying the same instalment every month with the fixed mortgage, pegging it to the one-year Euribor with the variable mortgage or a combination of both, with the mixed mortgage.

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No arrangement fee

Mixed Mortgage1
Your fixed monthly payment at the beginning of the loan and variable at the end. Set your fee for the first 3, 5 or 7 years. 
Choose between your discounted2 or non-discounted3 mortgage. If your salary is paid directly into your account and you take out our life and home insurance, you are entitled to discounts on your instalment. If you prefer, you can purchase your mortgage without direct deposit of your salary or taking out our insurance policies.
Simulate your mixed mortgage
Simulate your mixed mortgage
Find out more

No arrangement fee

Variable-rate mortgage1
Your monthly instalment is linked according to the evolution of the Euribor.
Choose between your discounted4 or non-discounted5 mortgage. If your salary is paid directly into your account and you take out our life, home and total loan protection insurances you are entitled to discounts on your instalment. If you prefer, you can purchase your mortgage without direct deposit of your salary or taking out our insurance policies.
Simulate you variable-rate mortgageSimulate you variable-rate mortgage
Learn more

No arrangement fee

Fixed-rate Mortgage1
Your monthly payment without changes throughout the loan.
Choose between your discounted6 or non-discounted7 mortgage. If your salary is paid directly into your account and you take out our life, home and total loan protection insurances you are entitled to discounts on your instalment. If you prefer, you can purchase your mortgage without direct deposit of your salary or taking out our insurance policies.
Calculate your fixed-rate mortgageCalculate your fixed-rate mortgage
Find out more
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How much to ask for a mortgage?

Repay your mortgage loan at your own pace

With a repayment term of up to 30 years. And we finance up to 80% of the value of the property or valuation —whichever is less— in the purchase of your first home or up to 70% if it is your second residence. Calculate your mortgage
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Mortgage to suit you

Take out your personalised mortgage with the support of an expert

Take out your personalised mortgage with the support of an expert. With our simulator and the help of our experts, you will be able to know what your approximate monthly payment would be like. Remember that it should not exceed 40% of your income to maintain good financial health.

Simulate your instalment
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We make it easier

We support you when you apply for and sign your mortgage

We help you prepare everything you need to apply for your mortgage. Once your application has been approved and all the documentation (such as the FEIN) has been checked, you will be able to sign your contract and the deed before a notary.

Do your simulation
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Discover Banco Sabadell’s mortgages

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Mixed mortgageCombine security and flexibility
Unaffected by interest rate increases at the beginning, but flexible to adapt to the market afterwards.
Simulate your mixed mortgage
Simulate your mixed mortgage
Find out more
Variable-rate mortgageMost flexible 
With a monthly instalment that is linked to the evolution of the market. Simulate you variable-rate mortgageSimulate you variable-rate mortgage
Find out more
Fixed-rate MortgageAn instalment without changes or surprises
With the peace of mind of knowing that you will pay the same instalment every month. Calculate your fixed-rate mortgageCalculate your fixed-rate mortgage
Find out more
Green MortgageTo make your home more sustainable
Build or energy renovate your first or second home.
Simulate your mortgage
Simulate your mortgage
Make an appointment with a manager
Self-promotion MortgageBuild your own house
Choose whether you prefer to finance it with a fixed or variable rate mortgage.
Simulate your mortgage
Simulate your mortgage
Make an appointment with a manager
Non-resident MortgageBuy your house in Spain
For those living abroad and wanting to buy a second home.
Simulate your mortgage
Simulate your mortgage
Make an appointment with a manager
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Do you want to switch your mortgage?

If you already have a mortgage loan with another bank, you can switch it and save on your instalments. Ask for a personalised study with an expert to help you find the solution that best suits you. Request an appointment
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The advantages of digital banking with the best of an expert bank

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We answer your most frequently asked questions

How much can my mortgage cover?

The mortgage may cover up to 80% of the purchase price or the valuation (whichever is the lower) for a first home. Up to 70% for second homes.

How much should my monthly mortgage expense be?

The monthly instalments should not exceed 40 % of your total income.

What are the discounts and how can they benefit me?

At Banco Sabadell we offer some services (discounts) that help to lower your mortgage interest rate (APR). You can take out one or more, but the more services you take out, the lower your interest rate will be. The services that include discounts are: direct deposit of salary, taking out Life Insurance, Home Insurance and Payment Protection Insurance.

What documentation do I need to submit to apply for my mortgage?

  • Tu documento de identidad (DNI/NIF). 
  • Un justificante de otros ingresos, si los tienes (alquileres, comisiones, intereses de cuentas, horas extras, etc.). 
     
  • Los últimos 2 recibos de tus pagos periódicos indicando los saldos pendientes (hipotecas, préstamos personales, créditos de tarjetas, pensiones compensatorias y alimenticias, pago de alquileres, otras deudas, etc.). 
     
  • Histórico de tu vida laboral. Puedes pedirlo a través de la web de la Seguridad Social o llamando por teléfono al 901 502 050. 
     
  • Si trabajas por cuenta ajena, presenta tu última declaración de la renta y tus 2 últimas nóminas/pensiones. 
     
  • Si trabajas por cuenta propia, necesitarás la declaración de la renta de los últimos 2 años y los pagos trimestrales del IRPF y del IVA del año en curso. 
  • Si no eres cliente de Banco Sabadell, necesitaremos un extracto bancario de los últimos 6 meses de la cuenta donde tengas tu día a día (nóminas, recibos principales, etc.).
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