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Simulate your mortgage Code of Best Practices 2022 Payment account transfer service Become a customer Evolution of the Euribor Más Sabadell
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Mortgage for new builds

Build your future

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Get financing for your home at Banco Sabadell
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Advantages of mortgages for new-build properties
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Advantages

Project-specific financing
Mortgages on new-build homes can offer financing advantages, especially in cases where energy efficiency is a priority. Keep in mind that the specific terms of the mortgage will vary depending on the project and the characteristics of the property.

Plus, since these are new properties, they don't usually need repairs in the short term, so you can enjoy your new home from day one.
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Opportunities

Appreciation potential
Off-plan properties may have appreciation potential, especially if they are located in developing urban areas or areas in high demand. The resale value will depend on multiple factors, such as market conditions and each property's specific characteristics.
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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?
Yes, and I have it reserved (earnest money) Yes, but I haven’t reserved it No, I’m still looking for it

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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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Apply for an off-plan 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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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.
 Make an appointment Find out more

Variable-rate mortgage

Most flexible 
With a monthly instalment that is linked to the evolution of the market.
 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

Self-promotion Mortgage

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

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.
 

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

1. The personalised price included in this assessment is neither binding nor a substitute for the European Standardised Information Sheet (ESIS).
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