Traditional Mortgage

Crédito Habitação Tradicional

Find the right spread for you.

  • Competitive Rates

    Spreads from 1.25%* for foreign nonresident customers and Fixed Rates from 2,50%**.

  • Different Rate Options

    Variable Rate, with Euribor at 3, 6 and 12 months. Fixed Rates with different periods, in the initial years of the contract or during the full term.

  • Fast Loan Repayment

    Fast Loan Repayment, with capital repayment since day one.

  • Flexible Term


    Great Term Flexibility, up to 25 years and age limit of 75 years.

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, 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.

1. Mortgage for Home Purchase

Second Home

Maximum amount equivalent to the lesser of 80% of the Acquisition Value and 70% of the Valuation Value.

Buy to let

Maximum amount equivalent to the lesser of 80% of the Acquisition Value and 60% of the Valuation Value.

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

*Annual percentage rate of charge of 6,2% and 5,8%, financing of €150.000, variable annual nominal interest rate (Euribor 12 months, june 2024, 3,650% plus Spread), Customer aged 30 years, term of 25 years (300 installments) , secured by a mortgage on the property, with an LTV of 70%. It includes a total initial costs of €2.809,40, a quarterly account maintenance fee of €20,80, an annual home insurance premium of €255,00. Annual percentage rate of charge of 6,2% with a base spread of 1,60% and annual nominal interest rate  of 5,250%, average annual life insurance premium of €263,80, installment of €898,87 and MTIC of €287.540,94. Annual nominal interest rate of 5,8% with the effect of cross-selling, contracted spread of 1,25% and annual nominal interest rate of 4,900%, average annual life insurance premium of €250,80, installment of €868,17 and MTIC of €278.230,30.

This information does not exempt the consultation of legally required pre-contractual and contractual information from the Bank.

Decidedly more options

Get to know our offer in Mortgages.


Live well, live more rested.


Because we are permanently exposed to risks that can affect our personal or family life, choosing Life Insurance is as important for protecting your Mortgage, as it is for your Life and your Family.That's why we want you to get to know Bankinter Seguros de Vida life insurances, that guarantees, as main cover, the risk of death of one or two Insured Persons, with the possibility of including the risk of disability, as complementary coverage.

For more information, please contact a Bankinter Branch.
Branch registered for the exercise of banking, financial activity, relating to the provision of investment and insurance mediation services in Portugal with the competent national supervisory authorities (Banco de Portugal – Registration No. 369 and Insurance and Pension Funds Supervisory Authority - Registration No. 0V-0028)
Bankinter, S.A. is an entity authorized and regulated by the Single Supervisory Mechanism (SSM) led by the European Central Bank (ECB) and Member of the Deposit Guarantee System, established in Spain, managed by the Fondo de Garantía de Depósitos de Entidades de Crédito (FGD).
Bankinter, S.A. – Sucursal em Portugal, registered with the Banco de Portugal under no. 269, as of intermediary does not assume risk coverage, does not conclude insurance contracts in its name and is not authorized to receive insurance premiums to be delivered to the insurer. Information about the mediator accessible at