BBVA mortgages
See all our mortgage loans and choose the one that best fits your needs.
We have the mortgage that's right for you
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The peace of mind of paying the same amount every month, without increases or surprises.
- With no surprises in your payments.
- No commitment fee.
- No notary, management or registration fees.
- Up to 30 years to pay it back.
- Finance up to 80% of your main home and up to 70% of your second home.
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If you're under 36 and looking for a mortgage, BBVA gives you up to 95% of your home's value.
- No commitment fee.
- No notary, management or registration fees.
- Up to 30 years to pay it back.
- Finance up to 95% of the value of your home.
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Open the mortgage switching calculator and discover all the advantages of our mortgages.
When you switch your mortgage, you could:
- Improve conditions, such as interest rate.
- Change the mortgage rate, for example from variable-rate to fixed-rate.
- Change the repayment period, adapting it to your preferences or circumstances.
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Your mortgage made easier. Find out about its characteristics, requirements and benefits.
- No commitment fee.
- No notary, management or registration fees.
- Up to 30 years to pay it back.
- Finance up to 80% of your main home and up to 70% of your second home.
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Get a personalized price to finance the acquisition of your newly-built home:
- Special financing conditions.
- With an adviser to talk to whenever you need to.
- And tools like BBVA Valora to learn about your new neighborhood, and the Mortgage Space, to streamline your application from the app.
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If you have urban land and want to build your home on it, we can help you with tailor-made financing. Contact one of our advisers to start your project.
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Learn about the Code of Best Practices established by Royal Decree-Law 6/2012 of March 9, on urgent measures to protect mortgage holders without resources, and by the modifications introduced by Law 19/2022 of 22 November.
Mortgage Space
Moving forward together towards your new home
Espacio Hipoteca is a section in the app where you can view the progress of your application, expedite any pending procedures, and communicate with your adviser as needed. How does it work?
- If you are not yet a customer, sign up in a few minutes with the Fee-Free Online Account.
- Do a calculation and apply for the mortgage that best suits you.
- Access Espacio Hipoteca to start processing your application 100% digitally.
Find out the value of your dream home with BBVA Valora
Sustainable tax deductions for the Annual Tax Return
Related links
- Real-Estate Credit Act 5/2019
- Information on minimum interest clause
- Official interest rates (Banco de España)
- Taking out a mortgage loan in Spain
- Precontractual information file (FIPRE)
- Supplementary pre-contractual information on the fixed-rate mortgage (DIPREC)
- Pre-contractual information on the variable-rate mortgage (DIPREC)
- Compare mortgages
- Informative poster
- Forms for notarizing the mortgage moratorium RD/Law 8/2020, 19/2020 and 3/2021
- Information on mortgage processing costs
- Pre-contractual Information Document Renewable Annual Temporary Mortgage Payment Protection Insurance
- Document Pre-contractual Information Single-Premium Financed Mortgage Payment Protection Insurance
- Information Document: CBP RDL 6/2012 for the viable restructuring of mortgage-backed debts, and CBP RDL 19/2022 and ACM to alleviate the rise in interest rates on mortgage loans on primary residences
- Other measures RDL 19/2022 and ACM
- Guideline of tools for mortgagors experiencing financial hardship, published by the Bank of Spain on 03/31/2023 (RDL 6/2012 and RDL 19/2022)
- Simulator of eligibility and application of measures of the codes of good practices