Update your browser

Update your browser

You are using an old version of your browser. We recommend you update it or change browser for a better web experience.

Other Group websites Branches
Lupa Urgent assistanceHelp


BS Necesidad1




Shall we start a new home? Choose the mortgage that suits you best

Calculate your mortgage repayment

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

Calculate mortgage

Are you looking for other options?
Find the right one for you!

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

Green Mortgage

Designed for those who want to buy, build or renovate energetically their first or second home.

Learn more

Self-build mortgage

Build your own home and choose to finance it at a fixed or variable rate.

Learn more

Non-Resident Mortgage

Do you have your tax domicile abroad and want to buy a second home in Spain? We have the mortgage for you.

Learn more

Your mortgage, step by step

Before we start...

  • It is time to crunch the numbers. Remember that your monthly mortgage payment cannot exceed 40% of your total income (or that of your household).
  • Bear in mind that you will also have to pay other costs such as the down payment or the valuation of the property.

We'll make it easy

  • First, we will conduct a personalised simulation so that you know what your monthly payment would be.
  • Once you know which mortgage is best suited to you, it's time to prepare the necessary documentation for the application.

Once approved...

  • The big day will come when the contract will be signed and the deed will be notarised.
  • Remember that the title deeds and the purchase contract are registered in the Property Registry so you can always have the original title deeds of your home.

Compare our mortgages

Would you like to see the difference between a fixed-rate and a variable-rate mortgage? Or a discounted mortgage and a non-discounted mortgage? Here is a simulation with an application for a mortgage of €150,000 over 30 years.

  Fixed-rate mortgage Variable-rate mortgage
Loan amount 150.000 €
Term Maximum 30 years (360 instalments)
Interest rate 3.75 % NIR
4.56 % APR
4.75 % NIR
5.21 % APR
1.50 % NIR 1st year
(Euribor +0.65 % rest of years) 5.07 % variable APR
2.50 % NIR 1st year
(Euribor +1.65 % rest of years) 5.73 % variable APR
Monthly instalment 694.67 € / month 782.47 € / month Cuota 1st year
517.68 € / month

Instalment rest of years
752.98 € / month**
Cuota 1st year
592.68 € / month

Instalment rest of years
844.83 € / month**
Arrangement fee Free Free Free Free
Solicitor, registry and notary fees
(derived from the deed)
Total cost of the mortgage 120,652.17 € 142,694.29 € 138,815.30 € 162,120.39 €
Salary or pension deposited in the account - -
Life Protection Insurance - -
Home Protection Insurance - -
Payment Protection Insurance - -
Damage insurance - -
  View fixed-rate mortgage View variable-rate mortgage

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.


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 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?


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 charges and payments


Do you want to know more about our fixed-rate and variable-rate mortgages?

View fixed-rate mortgage View variable-rate mortgage

More information

Personal loans and credits

You have a personalised offer waiting for you at Banco Sabadell. View my offer

Discover a tailor-made offer. For whatever you want.


With a personalised
offer for you

Because we know customers like you and we have the loan that best suits your needs.


100% online

To make the process quicker, easier and accessible from anywhere, at any time.

No strings attached: we don't ask you to direct deposit your salary into your bank account

To make it easier and quicker for you to access financing.


Find out more about our loans!

Nuestros préstamos
Total flexibility
The repayment term for Sabadell personal loans is up to 8 years, to suit you and your needs.
Money instantly
With pre-approved loans, you'll have the money in your account instantly. No waiting, in just one click and without having to submit any documentation.
For whatever you need
For example, to deal with life's little unforeseen events, you can use the Sabadell Credit Line. Just a few clicks, and the money goes straight into your account right away.
Fast, smooth and 100% online
That's what it's like to apply for a loan at Banco Sabadell. But if necessary, you'll always have a manager available to support you and answer your questions.
Only for customers that have been with us for more than 6 months
To ensure they have the personalised offer that best suits them. If you are not yet a customer, sign up from our website.
View my offer

Frequently Asked Questions

Can any Banco Sabadell customer access financing products?
One of our requirements when granting a loan is for the customer to have been with us for more than 6 months. If you are not yet a customer, open an account with us now.
What kind of loans can I take out?
There are different types of loans depending on what you need. For example, for your studies, to cover an unexpected expense, to buy a new car... We have a wide range of financing options, so that you can choose the one that best suits your needs.

Business purposes are excluded in all cases.
How long do I have to pay back the loan?
Repayment periods vary depending on the product you purchase. They're flexible and you can choose the one that suits you best, so that it doesn't cause you stress. For example, the maximum term of some financing products is up to 8 years.
What happens if I want to repay my loan early?
All our loans allow for this option, but it comes with the following fees:
- 1.00% of the amount repaid if there's more than one year left before the maturity of the contract.
- 0.50% of the amount repaid if less than one year is left.
Is the interest rate of the loan the same for all customers?
No, the interest rate may vary depending on the customer and the product.

The price of personal loans pre-approved by Banco Sabadell is personalised and varies according to the customer's profile. You'll see it on the first page of the online procurement process.

For all other loans, you will see the personalised price after filling in the details we ask you to provide in the application process. Nevertheless, said price will be contingent on validation of the documentation and the outcome of the risk analysis.
What requirements must be met in order to access a Sabadell Loan?
  • Be of legal age.
  • Have been a customer of ours for more than 6 months.
  • Have residency in Spain.
  • Have the Banco Sabadell remote banking service.
What are the features of the Sabadell Loan?
  • 100% online application.
  • No direct deposit of salary.
  • Fixed interest rate, which also allows you to always pay the same instalment amount and avoid unforeseen fluctuations. The instalments to be paid are calculated using the French repayment schedule, which has consistent instalments.
  • Loan amount from €3,000 to a maximum of €60,000 (subject to each customer's maximum available limit).
  • Repay it conveniently in a period of 12 to 96 months.
  • You can cancel it before maturity. If the period from early cancellation to the theoretical maturity of the contract is less than or equal to 12 months, the early repayment fee is 0.50%. If it is longer, the fee is 1.00 % of the amount repaid.
Can I apply for more than one Sabadell Loan?
You can only have one application in progress, but you can have more than one loan contracted as long as your repayment capacity allows it.
What information will Banco Sabadell give me when I sign up for a Sabadell Loan?
With the European Standardised Information Sheet (ESIS) documents, you will have the loan conditions at your disposal before entering into the contract, so that you can compare them to other offers before taking on any obligations and making a decision. You will also have the loan contract available to you before you have to sign it, so that you can read it at your leisure.
What is the European Standardised Information Sheet (ESIS)?
This is a document that has a specific offer based on the details provided in the application and subject to the final validation of the transaction. If at any point the details differ from the documentation provided, the financial conditions may change.
Can I cancel the Sabadell Loan contract once it has been signed?
Yes, you can withdraw from and cancel the contract free of charge during the 14 days following the contract's effectiveness without having to state your reasons or incur any penalties, following the indications set out in the ESIS or in the contract itself. You will find all the details in the loan contract and you can contact us on the free telephone number 900 700 010.
What additional information do I have at my disposal regarding the Sabadell Loan?
Banco Sabadell provides you with quarterly information on the most frequent fees and rates offered. To receive this information, go to a branch or the "Customer information" section of the website.

If you need it, there is a free telephone number (900 700 010) you can call for answers to any questions or queries you may have.
What is the Sabadell Credit Line?
The Sabadell Credit Line is a pre-approved financing product of up to €5,000 which you can draw down in minimum amounts of €150 and repay in the period of your choice, from 3 months to 24 months. You can make as many withdrawals as you wish, until the limit of the Sabadell Credit Line is exhausted.
You might be interested in...
Pre-contractual information


More information

More mortgages
Mixed Mortgage

We have a wide range of mortgages at your disposal.
The best rates with the best conditions, adapted to your needs.
Consult us.

More information