BBVA mortgages: you have an ideal home in mind, your bank is there to guide you
Searching for a home can be time-consuming, but it can also be very exciting. With BBVA, you can track your mortgage application from your phone and get help from your advisor whenever you need.
We are with you throughout the process
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With BBVA Valora, you can find out the value of the house you like or how much you should pay for it according to the market.
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The Step-by-Step Guide to Buying Your Home explains the process, from the search to the loan signing.
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You can talk to your adviser, starting from the moment you submit your application, to progress further or address any queries you might have.
Got it? You can choose your mortgage now
No commitment fee and no notary, management or registration fees. And a repayment period of up to 30 years.
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To avoid any surprises
Fixed Rate Mortgage
The peace of mind that comes from paying the same interest rate every month, with no increases. -
To change your terms and conditions
Bring your mortgage
Find out if we can improve the terms of your mortgage. -
For people under 36
Hipoteca Joven
If you're under 36 and looking for a mortgage, BBVA gives you up to 95% of your home's value. -
To adjust to the market
Variable-Rate Mortgage
Learn about the features of our variable-rate mortgage, with an interest rate that is reviewed periodically.
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To build your house
Autopromotor Mortgage
If you have urban land and want to build your home on it, we can help you with tailor-made financing. -
To get a brand-new home
New Construction Mortgage
Get a personalized price to finance the purchase of your newly-built home. -
To have a single price
Mortgages for Collectives
Discover our mortgages with personalized conditions.
When you make your application, you will be able to process it in the app
Follow your mortgage application step by step from your cell phone in Espacio Hipoteca. Whether you are a customer or not, you can:
- View all stages of your application.
- Upload documents and speed up any outstanding processes.
- Talk to your adviser and resolve any doubts you may have.
To log in as a non-customer, you need to create a free username in just two steps.
If you have your mortgage with another bank, let's talk about it
Make a no-obligation switching lender simulation and see what conditions you could improve by bringing your mortgage to BBVA.
And once you have signed, we do not stop there
- To equip your new home: with discounts of up to 50% on major brands of household appliances and do-it-yourself products.
- To make your home more efficient: you can get financing to install solar panels or make a sustainable renovation.
- To boost your finances: with our Financial Health tools, you will be able to better manage your daily expenses and save more easily.
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
