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Banco Sabadell's Variable Mortgage1

Up for the competition

Simulate your variable mortgage Simulate your variable mortgage No arrangement fee1 nor initial documentation
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Simulate your mortgage with Banco Sabadell now and discover your personalised repayment plan1

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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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Which is better for you, the discounted or non-discounted variable mortgage?

With complete freedom to decide if you want to direct deposit your salary and take out life, home and protection insurance with us1.

Discounted variable mortgage2

Pay less on your monthly instalment for bringing your salary and your insurances2
1.90% NIR 1st year
3.81% APR Variable

(Euríbor + 0.60% NIR the rest of the years)
If you direct debit your salary and you take out life, home and payment protection insurance, you will have discounts on your instalment. Flexible monthly fee which is linked according to market fluctuations and the Euribor. 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

Not discounted variable mortgage3

Without ties, contract only your mortgage3
x
2.90% TIN 1st year
4.38% APR Variable

(Euribor + 1.60% NIR the rest of the years)
Without direct deposit of your salary or taking out our life, home and payment protection insurance. Flexible monthly fee which is linked according to market fluctuations and the Euribor. 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
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Your variable mortgage in just 4 steps

Use our mortgages simulation and find out how much you would pay for yours.

Choose your offer and upload your documents to our 100% secure online mortgage portal.
Find out what your personalised monthly fee1 will be with our simulator and the help of our experts.

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

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FIPRE - Pre-contractual information sheet
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SEPA charges and payments

Why take out a variable interest rate mortgage with Banco Sabadell?

Calculate your instalment

It takes less than 1 minute and is fully personalised1, thanks to our simulator.

Personalised mortgage

With our simulator you can discover which mortgage and amortization period best suits your needs.

Advised by our experts

A mortgage expert will support you through the whole process, either online or in person.

No arrangement fee1

We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.

Calculate your instalment

It takes less than 1 minute and is fully personalised1, thanks to our simulator.

Personalised mortgage

With our simulator you can discover which mortgage and amortization period best suits your needs.

Advised by our experts

A mortgage expert will support you through the whole process, either online or in person.

No arrangement fee1

We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
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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
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Discover other mortgages from Banco Sabadell

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Mixed mortgage

Combine security and flexibility
Unaffected by interest rate increases at the beginning, but flexible to adapt to the market afterwards.
Make an appointment Find out more

Fixed-rate Mortgage

An installment without changes or surprises during the entire amortization period
With the peace of mind of knowing that you will pay the same instalment every month.
Make an appointment
Find out more

Green Mortgage

To make your home more sustainable
Build or energy renovate your first or second home.
Make an appointment

Non-resident Mortgage

Buy your house in Spain
For those living abroad and wanting to buy a second home.
Make an appointment

Self-promotion Mortgage

Build your own house
Choose whether you prefer to finance it with a fixed or variable rate mortgage.
Make 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 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?

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?

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

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HomeMortgages Variable mortgage
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