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Variable Mortgage¹

Our most flexible and competitive mortgage


Bring your mortgage

Do you have a mortgage with another bank and want to bring it
to Banco Sabadell?

Don't worry, we'll take care of it.

More information here

Why take out a variable-rate mortgage?

Your instalment and its interest rate will adapt year by year according to market developments.

You will be able to finance up to 80 % of your mortgage3 and repay it over a maximum term of 30 years.

We take care of the administration and land registry fees.

No arrangement fee4 (subject to compliance with the established conditions).


Would you prefer a mortgage with the same instalment every month?

You might be interested in a fixed-rate mortgage

Calculate your mortgage repayment

Find out what your approximate monthly repayment would be and which mortgage is best suited to you.

Mortgage calculator

Why trust Banco Sabadell with your mortgage?

We are by your side

Our team of experts will be by your side from start to finish to make everything easier.

Designed just for you

With a 100% personalised price and a service suited to your needs.


More than 14,000 clients have trusted us to make their new home a reality over the last year.

Code of Good Practices

You can check the «2022 Code of Good Practices (CBP22)» for mortgage borrowers at risk of vulnerability.


You may also be interested in...

What should you know if you're going to take out a mortgage?

You can find all the necessary information in this Bank of Spain guide.

Go to the article

Would you like to purchase a property in Andalusia?

Visit one of the branches in our network in this community and they'll provide information on the mortgage offers in Andalusia.

More information

Frequently Asked Questions

It is normal to have queries when you are considering taking out a mortgage. Here are some of the most common questions you may have.

How much can my mortgage cover?


The mortgage can cover up to 80 % of the purchase price or the valuation (whichever is the lower) for the first home. Up to 70 % for second homes.

How much should my monthly mortgage expense be?


What are the discounts and how can they benefit me?


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


Glossary: NIR, APR and other mortgage-related concepts


Valuation of the property


Registry verification


FIPRE (pre-contractual information sheet)


What do I need to know if I want to buy a property in Andalusia?


SEPA Collections and payments