Mixed Mortgage1 from Banco Sabadell
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Calculate your mixed-rate mortgage with Banco Sabadell and discover your personalised repayment plan1
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?
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.
Do you know that you can improve the conditions of the Mixed Mortgage with the discounts?
With complete freedom to decide if you want to deposit your salary and take out life and home insurance with us.
Discounted Mixed Mortgage2, 4, 6
3.13% APR Variable 2
(Euríbor + 0.75% TIN the rest of the years)
3.29% APR Variable 4
(Euríbor + 1.00% NIR the rest of the years)
3.36% TAE Variable 6
(Euríbor + 0.95% NIR the rest of the years)
Non-discounted Mixed Mortgage3, 5, 7
3.77% APR Variable 3
(Euríbor + 1.65% NIR the rest of the years)
3.94% APR Variable 5
(Euríbor + 1.90% NIR the rest of the years)
4.01% APR Variable 7
(Euríbor + 1.85% NIR the rest of the years)
Your mixed mortgage in just 4 steps
Use our mortgages simulation and find out how much you would pay for yours.
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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Why take out a mixed interest rate mortgage with Banco Sabadell?
Do you want to switch your mortgage?
Discover other mortgages from Banco Sabadell
Variable-rate mortgage
With a monthly instalment that is linked to the evolution of the market.
Find out more
Find out more
Green Mortgage
Build or energy renovate your first or second home.
Non-resident Mortgage
For those living abroad and wanting to buy a second home.
Self-promotion Mortgage
Choose whether you prefer to finance it with a fixed or variable rate mortgage.
The advantages of digital banking with the best of an expert bank
We answer your most frequently asked questions
How much can my mortgage cover?
As a general rule, the mortgage can cover up to 80% of the purchase price or the valuation (the lesser of the two) for a first residence. The financing percentages tend to be lower for second homes.
How much should my monthly mortgage expense be?
The maximum total debt-to-income ratio (mortgage, personal loan, etc.) is not recommended to exceed 35%.
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.
FIPRE (pre-contractual information sheet)
This is a document with information on how mortgage loans work. It’s given to you before you perform a simulation of the future mortgage.
Valuation of the property
An expert determines the real value of the home you are going to buy.
Registry verification
The Land 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 do I need to know if I want to buy a property in Andalusia?
Find out more through the following documents: FIPRE/Pre-contractual information Andalusia.
SEPA charges and payments
Find out more at on how to make and receive payments in Europe.
Do you have any questions? We're here to help you
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Legal terms and conditions
1) Terms and conditions in force until 07/05/2025.
The personalised price included in this assessment is neither binding nor a substitute for the European Standardised Information Sheet (ESIS).
Offer valid only for natural persons (not for business use) resident in Spain, with the exception of the Autonomous Community of Andalusia, who have income and assets only in euros. For a property transaction to be formalised or executed in the Autonomous Community of Andalusia, consult your branch for the current special offer.
The interest rate conditions, the granting of the loan, its amount and the repayment period for each transaction requested will be subject to the bank’s risk analysis.
Representative examples in accordance with the provisions of the applicable legal regulations. In particular, in loan contracts subject to the scope of application of Law 5/2019 of March 15, regulating real estate credit contracts, the representative example will be determined in accordance with the criteria established in letter d) of article 4.5. of Order EHA/1718/2010, of June 11.
The mortgage can cover up to 80% of the purchase price or the valuation (the lesser of the two) for the first residence. The mortgage can cover up to 70% in the case of second homes.
Fee and interest calculation formulas:
Formula for calculating monthly instalments:
Where:
N = outstanding principal of the loan
i = nominal interest expressed as so much per one
p = amortization periods in one year
t = number of years of the amortization period outstanding
N = outstanding principal of the loan
i = nominal interest expressed as so much per one
p = amortization periods in one year
In the example above, the interest payment portion of the instalment is calculated by replacing "N" with mortgage principal, i with 0.020 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of 250.00 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.
In the representative examples to calculate the instalment in the non-discounted mixed mortgage with fixed 3-year tranche, we would replace "N" with mortgage principal, i with 0.029 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year) and t with 30 (number of years), to give a payment of €624.34 to be paid each month.
In the previous example, we would replace "N" with mortgage principal, i with 0.029 (nominal annual interest rate rs divided by 100), p with 12 (number of instalments to be paid per year) to give a payment of €362.50 to be paid each month.(initial mortgage principal). The remaining amount of the instalment, once the interest part has been deducted, is what It is used for principal repayment.
In the representative examples, to calculate the first-year instalment in the discounted mixed mortgage with fixed 5-year tranche, we would replace "N" with mortgage principal, i with 0.023 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year) and t with 30 (number of years), to give an instalment of €577.20 to be paid each month.
In the example above, the interest portion of the first year’s instalment is calculated by replacing "N" with mortgage principal, i with 0.023 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year), to give an instalment of €287.50 in respect of the interest for the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.
In the representative examples, to calculate the first year instalment in the non-discounted mixed mortgage with fixed 5-year tranche, we would replace "N" with mortgage principal, i with 0.032 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year) and t with 30 (number of years), to give an instalment of €648.70 to be paid each month.
In the example above, the interest portion of the first year’s instalment is calculated by replacing "N" with mortgage principal, i with 0.032 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year), to give an instalment of €400 in respect of the interest for the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.
In the representative examples, to calculate the discounted mixed mortgage with fixed 7-year tranche instalment, we would replace "N" with mortgage principal, i with 0.027 (nominal annual interest rate divided by 100), p with 12 (number of instalments to pay per year) and t with 30 (number of years), to give an instalment of €608.40 to be paid each month.
In the example above, the interest portion of the instalment is calculated by replacing "N" with mortgage principal, i with 0.027 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year), to give an instalment of €337.50 in respect of the interest for the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.
In the representative examples, to calculate the non-discounted mixed mortgage with fixed 7-year tranche instalment, we would replace "N" with mortgage principal, i with 0.036 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year) and t with 30 (number of years), to give an instalment of 681.97€ to be paid each month.
In the example above, the interest portion of the instalment is calculated by replacing "N" with mortgage principal, i with 0.036 (nominal annual interest rate divided by 100), p with 12 (number of instalments to be paid per year), to give an instalment of €450.00 in respect of the interest for the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.
Repayment system and calculation formula for the repayment of principal and interest:
- The instalments to be paid have been calculated using a French repayment schedule which has consistent instalments. That means that the same amount is paid every month, so long as the interest rate for the transaction does not change during the settlement period and no early repayments are made.
- The mortgage instalment is made up of interest and the repayment of the total amount of the loan. Since the amount to be paid is constant, the lower the outstanding principal of the mortgage is, the lower the interest generated on this principal will be. Consequently, more interest and less principal are paid over the first years of the mortgage and more principal and less interest are paid during the final period of the loan.
MIXED MORTGAGE
The current reference rate is the Euribor at 1 year of the month of May of 2025 published by the Bank of Spain on June 2, 2025: 2.081 %.
The variable APR of the following examples has been calculated on the assumption that the reference rates remain unchanged, therefore, this variable APR will vary with the reviews of the interest rate, the repayment term and the amount financed and it will be reviewed every six months from the fourth year.
In the event that the fixed interest rate applicable during the first 3 years is higher than that resulting from the sum of the agreed differential and the current reference rate on the contracting date, this fixed interest rate will be used to calculate the APR for the entire life of the operation.
In the event that the fixed interest rate applicable during the first 3 years is less than the result of the sum of the agreed differential and the reference rate in force on the date of contracting, the variable APR will be calculated on the basis of the fixed rate for the first period and the variable rate for the second interest period.
2) DISCOUNTED MIXED MORTGAGE
- 2.00 % NIR fixed tranche the first 3 years, Euribor+0.75 % NIR variable tranche the rest of the years.
- 3.13 % variable APR
- Term: 30 years (for other repayment periods, consult your branch)
- Instalments: 36 instalments of €554.43 /month. 323 instalments of €612.88/month and a final instalment of €614.61.
- Total amount of the mortgage loan: Mortgage amount: 150,000 euros
- Total cost of the mortgage: €81,034.74 (€68,534.33 in interest)
- Total amount payable: €231,034.74
- Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.
3) NON-DISCOUNTED MIXED MORTGAGE
- 2.90 % NIR fixed tranche the first 3 years, Euribor+1.65 % NIR variable tranche the rest of the years.
- 3.77 % variable APR.
- Term: 30 years (for other repayment periods, consult your branch).
- Instalments: 36 instalments of €624.34/month. 323 instalments of €687.10 /month and a final instalment of €686.39.
- Total amount of the mortgage loan: €150,000.
- Total cost of the mortgage: €99,990.74 (€95,095.93 in interest).
- Total amount payable: €249,990.74.
4) DISCOUNTED MIXED MORTGAGE
- 2.30% NIR fixed tranche the first 5 years, Euribor+1.00% NIR variable tranche the rest of the years.
- 3.29 % variable APR
- Term: 30 years (for other repayment periods, consult your branch)
- Instalments: 60 instalments of €577.20 /month. 299 instalments of €629.61 /month and a final instalment of €629.32 .
- Total amount of the mortgage loan: Mortgage amount: 150,000 euros
- Total cost of the mortgage: €86,015.12 (€73,514.711 in interest)
- Total amount payable: €236,015.12
- Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.
5) NON-DISCOUNTED MIXED MORTGAGE
- 3.20% NIR fixed tranche the first 5 years, Euribor+1.90% NIR variable tranche the rest of the years.
- 3.94% variable APR.
- Term: 30 years (for other repayment periods, consult your branch).
- Instalments: 60 instalments of €648.70/month. 299 instalments of €705.06/month and a final instalment of €705.16.
- Total amount of the mortgage loan: €150,000.
- Total cost of the mortgage: €105,334.91 (€100,440.10 in interest).
- Total amount payable: €255,334.91.
6) DISCOUNTED MIXED MORTGAGE
- 2.70% NIR fixed tranche the first 7 years, Euribor+0.95% NIR variable tranche the rest of the years.
- 3.36 % variable APR
- Term: 30 years (for other repayment periods, consult your branch)
- Instalments: 84 instalments of €608.40 /month. 275 instalments of €629.42 /month and a final instalment of €629.66 .
- Total amount of the mortgage loan: Mortgage amount: 150,000 euros
- Total cost of the mortgage: €87,326.17 (€74,825.76 in interest)
- Total amount payable: €237,326.17
- Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.
7) NON-DISCOUNTED MIXED MORTGAGE
- 3.60% NIR fixed tranche the first 7 years, Euribor+1.85% NIR variable tranche the rest of the years.
- 4.01% variable APR.
- Term: 30 years (for other repayment periods, consult your branch).
- Instalments: 84 instalments of €681.97/month. 275 instalments of €704.62/month and a final instalment of €705.92.
- Total amount of the mortgage loan: €150,000.
- Total cost of the mortgage: €106,656.71 euros (€101,761.90 in interest).
- Total amount payable: €256,656.71.
2) 4) y 6) What does the variable APR calculation include?
- Arrangement fee: €0 (0%).
- Total amount of the mortgage interest: €
- 68,534.33 euros for the mortgage with a 3-year fixed tranche
- 73,514.71 euros for the mortgage with a 5-year fixed tranche
- 74,825.76 euros for the mortgage with a 7-year fixed tranche
- Sabadell Account Contract: €0 with the maximum discount of the maintenance fee, the cost is €0.
- Home Protection Insurance: the cost of taking out this insurance, which includes damage coverage through Banco Sabadell, is €12.75/month. The cost of this insurance will vary depending on when it is taken out and, among other factors, on the characteristics of the property to be mortgaged, the insured amount and the guarantees contracted. The amount shown is merely indicative, taking as an example a mortgage loan with a principal of €150,000 and for a building valued at €100,000.00 whose type of home is on an intermediate floor with a built area of 100 m2.
- Constant capital life insurance with a quarterly premium to be maintained throughout the life of the mortgage: €63.38 /quarter (example for a 30-year-old man).
- Costs of registry checks: €25.41.
- Valuation costs: €302.71.
In the fixed tranche, a review will be carried out to validate the contracting of products that generate interest rate discounts, on 30 June and 31 December.
As for the variable tranche, it will be reviewed every six months, taking into account the date on which the mortgage was taken out. In it, the products eligible for discounts that the contracted customer has will be reviewed, as well as the Euribor to apply.
3) 5) y 7)What does the variable APR calculation include?
- Arrangement fee: €0 (0%).
- Total amount of the mortgage interest: €
- 95,095.93 euros for the mortgage with a 3-year fixed tranche
- 100,440.10 euros for the mortgage with a 5-year fixed tranche
- 101,761.90 euros for the mortgage with a 7-year fixed tranche
- Setting up a Relación Account: €60/quarter.
- Compulsory property damage insurance for the life of the mortgage (it does not have to be taken out with Banco Sabadell): Banco Sabadell does not sell insurance that only includes damage coverage, therefore the calculation of the variable APR has been carried out taking into account the premium resulting from simulating Banco Sabadell’s Home Protection insurance (which includes damage coverage) whose cost has been estimated at 12.75 euros/month. The cost of this insurance will vary depending on when it is taken out and, among other factors, on the characteristics of the property to be mortgaged, the insured amount and the guarantees contracted. The amount shown is merely indicative, taking as an example a mortgage loan with a principal of €150,000 and for a building valued at €100,000.00 whose type of home is on an intermediate floor with a built area of 100 m2.
- Costs of registry checks: €25.41.
- Valuation costs: €302.71.
The combined or separate product offer will have an impact on the costs1 and early cancellation2 of the loan or its combined products.
I) Costs. The cost of contracting the Constant Capital Home and Life Protection insurance is independent of contracting the loan, so it has the same cost as if it was contracted individually.
II) Effects of early cancellation of the loan or any of the combined products. The effects that the early cancellation of the loan or any of the combined products would have on the joint cost of the loan and the other combined products or services will be part of the personalised information to be provided by means of the European Standardised Information Sheet (ESIS).
Additional information:
Representative examples of loans secured by mortgages on residential property designed to finance purchases of housing by natural persons acting as consumers. Transaction subject to the prior approval of Banco Sabadell. No advisory service is provided. Interest rate terms subject to risk analysis by Banco Sabadell. Terms may vary, depending on the result of the risk analysis. In accordance with article 1911 of the Civil Code, which enshrines the principle of universal liability, in the event of non-payment, the debtor and, as appropriate, the debtor’s joint guarantors and guaranteeing parties and mortgage guarantors shall be held liable for all the debtor’s present and future assets and the debtor may even lose their home(s) and/or any other assets they own.
Additional information on the insurance associated with your mortgage:
- Home Protection is insurance from BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with Tax ID Number (NIF) A64194590 and address at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Registry of Madrid and in the Registry of Insurance Companies of the DGSyFP with code no. C-0767.
- Protección Vida Capital Constante is an insurance of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID Number (NIF) A08371908 and address at calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Registry of Madrid and in the Registry of Insurance Companies of the DGSyFP with code no. C-0557.