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Banco Sabadell Fixed-rate Mortgage1

Up for the competition

Simulate your fixed-rate mortgageSimulate your fixed-rate mortgage No arrangement fee1 nor initial documentation
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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?


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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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What suits you best, the fixed-rate mortgage discounted or without non-discounted?

With complete freedom to decide if you want to deposit your salary and take out life, home and protection insurance with us.

Discounted Fixed-rate Mortgage2

Pay less in your monthly instalment for bringing your salary and your insurances
2.50% NIR
3.41% APR
If you have your salary paid directly into your bank account and contract our life, home insurance and total payment protection policies, you will have discounts on your mortgage instalment. Fixed monthly instalment, no changes or surprises. 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

Non-Discounted Fixed-rate Mortgage3

Without ties, contract only your fixed mortgage
 
3.50% NIR
3.97% APR
Without direct deposit of your salary or taking out our life, home and total payment protection insurance. Fixed monthly instalment. You will pay the same from the first month to the last. 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
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Your fixed 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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SEPA charges and payments
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FIPRE - Pre-contractual information sheet

Why take out your fixed rate mortgage with Banco Sabadell?

Calculate your instalment
It takes less than 1 minute and is fully personalised1, thanks to our simulator.
Personalised mortgage 
With our simulator you will be able to discover which mortgage is the best fit for your needs. 
Advised by our experts 
A mortgage expert will support you throughout the whole process, either online or in person. 
No arrangement fee
We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
Calculate your instalment
It takes less than 1 minute and is fully personalised1, thanks to our simulator.
Personalised mortgage 
With our simulator you will be able to discover which mortgage is the best fit for your needs. 
Advised by our experts 
A mortgage expert will support you throughout the whole process, either online or in person. 
No arrangement fee
We take care of the administrative and property registry costs in accordance with the Real Estate Credit Law 5/2019.
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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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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.
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

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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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?

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

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