Mortgage
The Mortgage That Fits Your Needs
Discover flexible financing options designed to support every stage of your life, whether you’re buying your first home, renovating, or pursuing a new investment opportunity.
Purchase
Buy the home you’ve always wanted with financing of up to €1,500,000. Cover up to 80% of the property’s value and repay comfortably over a period of 10 to 30 years.
Green Purchase
Invest in a highly energy-efficient property with financing of up to €1,500,000. Get up to 80% of the home’s value for properties in energy class A or B, with repayment terms from 10 to 30 years.
Surrogation
Transfer your existing mortgage and make your payments more convenient. Enjoy zero investigation and appraisal fees, and no substitute tax or notary costs.
Turn Your Biggest Projects Into Reality
Use the value of your home to make your most important plans come true, without disrupting your financial balance. By leveraging your property, you can access substantial financing designed to support long-term goals with confidence and stability. You may obtain up to €500,000 in financing, covering up to 60% of your property’s value, with flexible repayment terms ranging from 10 to 20 years. This solution allows you to plan ahead with predictable monthly payments while maintaining control over your finances.
Whether you are renovating your home, funding education, supporting your family, or launching a new business venture, you benefit from a reliable, long-term financing option that adapts to your needs and evolves with your life plans.
A New Mortgage With Added Flexibility
Up to €500,000 in financing, depending on your eligibility
Borrowing up to 70% of your property’s value, giving you greater access to funds
Flexible repayment periods from 10 to 20 years, designed to fit your financial comfort
Greater financial freedom and predictability, thanks to stable, long-term repayment conditions
Simplified financial management, by consolidating your needs
Choose the Rate That Fits You Best
Flexible Conditions
Decide the duration of your loan, select between a fixed or variable rate, and choose the installment amount that works best for you.
Mixed Rate Option
If you’re undecided between a fixed and variable rate, you can combine both and adjust the mix whenever you prefer, giving you complete flexibility throughout your mortgage term.
Our Commitment to You
Customer-First Philosophy
You are at the center of everything we do. We take the time to understand your needs and design our services to go beyond expectations because your financial success is our greatest measure of achievement.
Driving Innovation in Banking
As the financial world evolves, so do we. By embracing technology and forward-thinking solutions from online platforms to mobile tools we make banking smarter, safer, and more accessible for you.
Commitment to Integrity and Trust
Strong relationships are built on trust. That’s why we hold ourselves to the highest standards of ethics and transparency. Your confidence is our most valued asset, and we work tirelessly to honor it every day.
Dedicated Assistance
A dedicated team of experienced specialists is available to guide you every step of the way, from your initial request through to the final signing, ensuring clarity, support, and personalized guidance at each stage.
Protection
Fire and explosion insurance is already included at no additional cost, ensuring extra peace of mind for your home.
Fully Online
Easily calculate your installment and submit your application independently, whenever and wherever you want.
The Mortgage Explained Simply
Spread
The spread is the percentage added to a reference rate (such as the 3-month Euribor or IRS) to calculate the total interest rate applied to your mortgage.
Euribor
This is the rate at which banks lend money to one another. It serves as a benchmark for determining the interest rate on variable-rate mortgages.
Credit Assessment
This stage allows the bank to evaluate whether to grant the mortgage, based on the applicant’s financial reliability, income, and the value of the property used as collateral.
Appraisal
A technical report prepared by a qualified professional who confirms the property’s market value and its suitability for the requested loan amount.
Portability
This option lets you transfer your existing mortgage from one bank to another at no additional cost, obtaining a new loan for the remaining balance—often with more favorable interest rates.
General Information
This is a promotional communication. For complete details, terms, and conditions regarding the products and services mentioned, please refer to the official information documents, product sheets, and disclosures available in the Transparency section of the website or from authorized financial advisors. Some products may be available only to existing account holders.
Credit approval is subject to evaluation. The bank reserves the right to assess all required documentation and verify the applicant’s creditworthiness before granting financing.
