Find the spread that suits you! Buy a new house or bring your Mortgage to Bankinter and benefit from excellent conditions.

• Interest Rate 

Variable rate indexed to Euribor 3, 6 or 12 months + very competitive spreads.

• Promotional Fixed Rate Options

Period of 1, 2, 3, 4, 5, 10, 15, 20, 25 and 30 years, with Variable Rate in the following period.

• Maximum Amount (Approval Criteria) 

Funding amount approved on a case-by-case basis, subject to the maximum determined according to the following criteria.

Mortgage for Home Purchase

In the case of a remortgage, the Acquisition Value will only be relevant if the house was purchased less than 2 years ago.
Code of Conduct: Bankinter corporate website (information in portuguese).

Representative Example

*Example for a 30-year-old consumer | Financing of €150.000 for purchase of second home secured by a mortgage on the property | Appraisal Value of €214.285,71 (or LTV of 70%) | 25-year term | Annual home insurance premium of €270,00.

Variable rate

APR (TAEG) without associated optional sales 5,2% - Variable annual nominal interest rate of 4,289% (Euribor 12 months of october 2026 of 3,239% and base spread of 1,050%) | Total initial costs of €3.009,15 | Average annual life insurance of €252,83 | 300 monthly instalments of €815,89 | Total amount charged to the consumer of €261.445,83.

APR (TAEG) with associated optional sales 4,8% - Variable annual nominal interest rate of 3,939% (Euribor 12 months of october 2026 of 3,239% and contracted spread of 0,700%) | Total initial costs of €3.009,15 | Average annual life insurance of €248,81 | 300 monthly instalments of €786,71 | Total amount charged to the consumer of €252.592,95.

The applied annual nominal interest rate can assume negative values depending on the evolution of the respective index. Subject to credit risk analysis.

This information does not exempt you from consulting the pre-contractual and contractual information legally required from the Bank. Find out more at any Bankinter branch.

***Example for a 30-year-old consumer | Financing of €150.000 for purchase of second home secured by a mortgage on the property | Appraisal Value of €214.285,71 (or LTV of 70%) | 25-year term | Annual home insurance premium of €270,00.

1 Year Mixed Rate

APR (TAEG) without associated optional sales 5,1% - Fixed annual nominal interest rate of 3,100% for the first 12 months and variable annual nominal interest rate of 4,289% (Euribor 12 months of october 2026 of 3,239 % and base spread of 1,050%) for the remaining 288 months | Total initial costs of €3.009,15 | Average annual life insurance of €251,81 | 12 monthly instalments of €719,14 and 288 monthly instalments of € 812,48 | Total amount charged to the consumer of €260.777,06.

APR (TAEG) with associated optional sales 4,7% - Fixed annual nominal interest rate of 2,750% for the first 12 months and variable annual nominal interest rate of 3,939% (Euribor 12 months of october 2026 of 3,239 % and contracted spread of 0,700%) for the remaining 288 months | Total initial costs of €3.009,15 | Average annual life insurance of €247,77 | 12 monthly instalments of €691,97 and 288 monthly instalments of €783,30 | Total amount charged to the consumer of €251.947,07.

Pricing conditions valid for credit proposals submitted until 30th november 2026.

The applied annual nominal interest rate can assume negative values depending on the evolution of the respective index. Subject to credit risk analysis.

This information does not exempt you from consulting the pre-contractual and contractual information legally required from the Bank. Find out more at any Bankinter branch.