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Mortgage subrogation with Banco Sabadell

You can change your bank mortgage

I want to switch my mortgage
No arrangement fee1
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We help you so you can improve your mortgage

Choose the mortgage loan that best suits you according to the interest rates and discover how much you can save on your monthly payment. Get a personalised study, with no obligation.
No need to worry about switching costs

Our mortgages have no arrangement fee and we take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
Start the surrogacy process online or in office

You can request to subrogate your mortgage and bring it to Banco Sabadell online, in a simple way and with the support of a specialist mortgage manager whenever you need it.
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You choose which mortgage loan is right for you

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No arrangement fee

Mixed Mortgage
Mixed mortgage, qualifying for discounts2, 4, 6: 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.
2.10% NIR the first 3 years, 3.83% variable APR 2 (Euribor +0.70% NIR all other years).
2.30% NIR the first 5 years, 3.86% variable APR 4 (Euribor +0.90% NIR all other years).
2.60% NIR the first 7 years, 3.88% variable APR 3 (Euribor +0.95% NIR all other years).
Mixed mortgage without qualifying for discounts3, 5, 7: without having your salary paid into your account or taking out our life and home insurances.
3.00% NIR the first 3 years, 4.47% APR variable 3 (Euribor +1.60% NIR all other years).
3.20% NIR the first 5 years, 4.50% APR variable 5 (Euribor +1.80% NIR all other years).
3.50% NIR the first 7 years, 4.52% APR variable 7 (Euribor +1.85% NIR all other years).
Make an appointment with an expert

No arrangement fee

Fixed-rate Mortgage
Fixed-rate mortgage if the mortgagor meets the conditions for discounts8: 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.
2.60% NIR, 3.76% APR.
Fixed-rate mortgage without qualifying for discounts9: without having your salary paid directly into your account or taking out our life, home and payment protection insurances.
3.60% NIR, 4.08% APR.
Make an appointment with an expert

No arrangement fee

Variable-rate Mortgage
Variable mortgage, qualifying for discounts10: 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.
2.00% NIR the first year, 4.18% variable APR (Euribor +0.40% NIR all other years).
Variable mortgage without qualifying for discounts11: without having your salary paid directly into your account or taking out our life, home and payment protection insurances.
3.00% NIR the first year, 4.48% variable APR (Euribor +1.40% NIR all other years).
Make an appointment with an expert
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Switch your mortgage to Banco Sabadell in just 3 easy steps

Fill in this brief  form and we will call you to tell you everything you need to know and start the procedure to switch your mortgage to Banco Sabadell, whether online or from a branch.


An expert carries out a personalised study to renegotiate the mortgage so that you find the modality that best suits you. Everything is simple and there's no commitment.

Once your application is approved, sign the mortgage subrogation and start saving on the installments you pay each month.

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FIPRE - Pre-contractual information sheet
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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 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.
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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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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