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Banco Sabadell's Variable Mortgage1

The flexibility of the variable mortgage

Calculate your mortgageCalculate your mortgageNo arrangement fee1 nor initial documentation
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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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Monthly flexible instalment

A mortgage that is linked to the changes in the Euribor

The amount you pay every month on your variable mortgage loan and the interest rate will be adjusted according to market fluctuations. If there is an increase in the Euribor or a decrease, so will your installment.
Calculate your mortgage
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Variable Mortgage tailored to your needs

Improve your interest rates and make your mortgage more competitive

Reduce the monthly instalment of your mortgage loan by direct debiting your salary and taking out our home, life and payment total protection insurance.
Do your simulation
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With an expert at your side

We will help you to take out a variable mortgage to suit your needs

Get your 100% customised variable interest rate mortgage thanks to a service adapted to your needs and the help of our experts.
Calculate your mortgage
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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

(All other years from Euribor + 0.60% NIR.)
2.15% NIR 1st year 
5.21%APR Variable
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 Make an appointment with an expert

Not discounted variable mortgage3

Without ties, contract only your mortgage3
x

(All other years from Euribor + 1.60% NIR.)
3.15% TIN 1st year
5.56% APR Variable
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 Make an appointment with an expert

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

Application online or at a branch

You can carry out all your procedures wherever you want: comfortably from home or at a branch.

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.

Application online or at a branch

You can carry out all your procedures wherever you want: comfortably from home or at a branch.

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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Your variable mortgage in just 4 steps

Use our mortgage simulation and find out how much you would pay for your mortgage.
Choose your offer and upload your documents to our 100% secure online mortgage portal.
Make an appointment with one of our mortgage experts and get your personalised price instantly1.

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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SEPA charges and payments
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FIPRE - Pre-contractual information sheet
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Do you know the new Mixed Mortgage from Banco Sabadell?

With the new Mixed Mortgage from Banco Sabadell you pay the same instalment for the first few years and take advantage of the flexibility of having a variable rate at the end of the loan.
Find out more about the mixed 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.
Mixed mortgage simulator
Mixed 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

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

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
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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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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?

 
La hipoteca puede cubrir hasta el 80% del precio de la compraventa o del valor de la tasación (el menor de los dos) para la primera residencia. Para segundas residencias, hasta el 70%.

How much should my monthly mortgage expense be?

 
La cuota mensual no debería superar el 40% de tus ingresos totales.

What are the discounts and how can they benefit me?

 
En ​Banco Sabadell ofrecemos algunos servicios (bonificaciones) que ayudan a bajar el tipo de interés de tu hipoteca (TIN). Puedes contratar uno o varios, pero cuantos más contrates, menor será tu tipo de interés. Los servicios que se consideran bonificaciones son: la domiciliación de la nómina, la contratación del seguro​​ de vida, el seguro del hogar y el seguro de protección de pagos. 

What documentation do I need to submit to apply for my mortgage?

 
  • Tu documento de identidad (DNI/NIF).
  • Un justificante de otros ingresos, si los tienes (alquileres, comisiones, intereses de cuentas, horas extras, etc.).
  • Los últimos 2 recibos de tus pagos periódicos indicando los saldos pendientes (hipotecas, préstamos personales, créditos de tarjetas, pensiones compensatorias y alimenticias, pago de alquileres, otras deudas, etc.).
  • Histórico de tu vida laboral. Puedes pedirlo a través de la web de la Seguridad Social o llamando por teléfono al 901 502 050.
  • Si trabajas por cuenta ajena, presenta tu última declaración de la renta y tus 2 últimas nóminas/pensiones.
  • Si trabajas por cuenta propia, necesitarás la declaración de la renta de los últimos 2 años y los pagos trimestrales del IRPF y del IVA del año en curso.
  • Si no eres cliente de Banco Sabadell, necesitaremos un extracto bancario de los últimos 6 meses de la cuenta donde tengas tu día a día (nóminas, recibos principales, etc.).
See more
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Do you have any questions? We're here to help you

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