matricula-202300266-3-3-10764
Get to know our products for Personal
Bank accounts Bank cards Mortgages Personal loans and credits Savings Investment Retirement Insurance Renting Cars
Become a customer and create your account1 in less than 10 minutes with your mobile
Open your account online
1 View information document on fees
Branch finder Online appointment
Help Center Contact
matricula-

Banco Sabadell Fixed-rate Mortgage1

The peace of mind of your fixed-rate mortgage

Calculate fixed mortgageCalculate fixed mortgageNo arrangement fee1 nor initial documentation
matricula-

Compare Banc Sabadell mortgages and find
out which one suits you best 

matricula-

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?


matricula-
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.
 
matricula-
Your monthly fixed instalment

Always pay the same for your fixed rate mortgage, no surprises

The monthly instalment of your fixed-rate mortgage loan from Banco Sabadell will not change for the duration of the contract. Whether the Euribor goes up or down, you will always pay the same amount per month.

Calculate fixed mortgage
matricula-
Discounted Fixed-rate Mortgage

Achieve the best interest rate and reduce your monthly instalment

Make your fixed mortgage loan more competitive: deposit your salary and take out our home, life and health insurance payment protection and so reduce the monthly instalment of your mortgage loan.

Calculate your fixed fee
matricula-
With an expert at your side

Take out your fixed-rate mortgage tailored to your needs from the hand of our experts

Get your fixed interest rate mortgage from Banco Sabadell 100% personalised thanks to the support of our team of experts. We help you to make the decision that best fits your profile. Simulate fixed mortgage
matricula-

What suits you best, the fixed-rate mortgage discounted or without non-discounted?

With complete freedom to decide if you want to deposit your salary and take out life, home and protection insurance with us.

Discounted Fixed-rate Mortgage2

Pay less in your monthly instalment for bringing your salary and your insurances
2.75%NIR 
3.87%APR
If you have your salary paid directly into your bank account and contract our life, home insurance and total payment protection policies, you will have discounts on your mortgage instalment. Fixed monthly instalment, no changes or surprises. No arrangement fee. Property registration and administration fees included, in accordance with the Real Estate Credit Law 5/2019. Simulate your discounted mortgageSimulate your discounted mortgage Make an appointment with an expert

Non-Discounted Fixed-rate Mortgage3

Without ties, contract only your fixed mortgage
 
3.75%NIR
4.19%APR
Without direct deposit of your salary or taking out our life, home and total payment protection insurance. Fixed monthly instalment. You will pay the same from the first month to the last. No arrangement fee. Property registration and administration fees included, in accordance with the Real Estate Credit Law 5/2019. Simulate your mortgage without discountsSimulate your mortgage without discounts Make an appointment with an expert

Why contract your fixed-rate mortgage loan with Banco Sabadell?

Application online or at a branch 
You can carry out all the procedures where you like: conveniently from home or at the branch.
Personalised mortgage 
With our simulator you will be able to discover which mortgage is the best fit for your needs. 
Advised by our experts 
A mortgage expert will support you throughout the whole process, either online or in person. 
No arrangement fee
We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
Application online or at a branch 
You can carry out all the procedures where you like: conveniently from home or at the branch.
Personalised mortgage 
With our simulator you will be able to discover which mortgage is the best fit for your needs. 
Advised by our experts 
A mortgage expert will support you throughout the whole process, either online or in person. 
No arrangement fee
We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
matricula-

Your fixed mortgage in just 4 steps

Use our simulator and find out how much you would pay for your mortgage.

Choose your offer and upload your documents to our 100% secure online mortgage portal.
Make an appointment with one of our mortgage experts and get your personalised price instantly1.

Once your application has been reviewed and approved, you will be able to sign the mortgage contract and the deed before a notary.

matricula-
SEPA charges and payments
matricula-
FIPRE
matricula-

Prefer a combination of peace of mind and flexibility in your mortgage? 

With the new mixed mortgage from Banco Sabadell, you'll pay the same instalment for the first few years and take advantage of the flexibility of having a variable rate at the end of the loan.
Find out more about the mixed mortgage
matricula-

Discover other mortgages from Banco Sabadell

matricula-

Mixed mortgage

Combine security and flexibility
Unaffected by interest rate increases at the beginning, but flexible to adapt to the market afterwards.
Mixed mortgage simulator
Mixed mortgage simulator
Find out more

Variable-rate mortgage

Most flexible 
With a monthly instalment that is linked to the evolution of the market.
Variable mortgage simulatorVariable mortgage simulator
Find out more

Green Mortgage

To 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 Mortgage

Build 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 Mortgage

Buy 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
matricula-

Do you want to switch your mortgage?

If you already have a mortgage loan with another bank, you can switch your motgage and save on your instalments. Ask for a personalised study with an expert to help you find the solution that best suits you. Change bank mortgageChange bank mortgage
matricula-

The advantages of digital banking with the best of an expert bank

matricula-

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 long do you want to keep your money in an investment fund?

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

What are the discounts and how can they benefit me?

 
En Banco Sabadell ofrecemos algunos servicios (bonificaciones) que ayudan a bajar el tipo de interés de tu hipoteca (TIN). Puedes contratar uno o varios, pero cuantos más contrates, menor será tu tipo de interés. Los servicios que se consideran bonificaciones son: la domiciliación de la nómina, la contratación del seguro de vida, el seguro del hogar y el seguro de protección de pagos. 

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

  • Your national identity document (DNI/NIF).
  • Proof of other income, if you have it (rent, commissions, interest on accounts, overtime, etc.).
  • The last 2 bills of your regular payments indicating outstanding balances (mortgages, personal loans, credit cards, alimony and maintenance payments, rent payments, other debts, etc.).
  • Work history. You can request this through the Social Security website or by calling 901 502 050. If you are employed, submit your last income tax return and your last 2 payslips/pension receipts.
  • If you are self-employed, you will need the tax return for the last 2 years and the quarterly income tax and VAT payments for the current year.
  • If you are not a Banco Sabadell customer, we will need a bank statement for the last 6 months from your usual account (pay slips, main bills, etc.).
     
See more
matricula-

Do you have any questions? We're here to help you

Branches and ATMs

Find a branch or request an appointment

Virtual Assistant

Available 24/7 on Virtual Assistant button

Contact us

We can help you through these other contact methods

Customer Service

Log in to file an official claim
matricula-
Legal terms and conditions
matricula-
HomeMortgages Fixed mortgage
No commitment
Simulate your mortgageSimulate your mortgage