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Banco Sabadell Mortgages

Compare our mortgages

Calculate your mortgageCalculate your mortgageDiscover our mortgage loans
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Choose the mortgage loan 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 loan with another bank, you can bring it to Banco Sabadell with a very simple process.
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Compare Banc Sabadell mortgages 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 loan 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 it without direct deposit of your salary or taking out our insurance policies.
Mixed mortgage simulator
Mixed mortgage simulator
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 it without direct deposit of your salary or taking out our insurance policies.
Variable mortgage simulatorVariable mortgage simulator
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 it without direct deposit of your salary or taking out our insurance policies.
Fixed mortgage simulatorFixed mortgage simulator
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. Want to know what the steps to your new mortgage are like from when you choose one to the day of the signing?

Do your simulation
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Discover Banco Sabadell’s mortgages

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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.
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

Fixed-rate Mortgage

An instalment without changes or surprises
With the peace of mind of knowing that you will pay the same instalment every month. Fixed mortgage simulatorFixed 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
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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. Request an appointmentRequest 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?

  • 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.).
     

Glossary: NIR, APR and other mortgage-related concepts
 

  • APR (Annual Percentage Rate)
The total cost of the loan for the borrower, expressed as an annual percentage of the total amount of the loan granted, plus related costs, as appropriate, equivalent, on an annual basis, to the current value of all future and existing commitments, such as drawdowns, repayments and costs, agreed upon by the lender and the borrower.
  • NIR (Nominal Interest Rate)
The amount paid to obtain an amount of money as a loan (or received to lend it) expressed as a percentage of said amount.
  • Euribor
Interest rate applied by European banks when they lend money to each other. It is used as a benchmark figure for part of the interest rate for variable mortgages.
  • Valuation of the property
An expert determines the real value of the home you are going to buy.
  • Registry verification
The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

Valuation of the property

An expert determines the real value of the home you are going to buy.

Registry verification

The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

What steps are involved from the moment you choose your mortgage to the moment you sign it?

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

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