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BBVA mortgages

With the BBVA Fixed-Rate Mortgage you will pay the same amount every month for your mortgage repayment, with no surprises. So you'll be free to take care of those who matter most.

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  • FIXED-RATE mortgage

  • VARIABLE-RATE mortgage

  • Switch your mortgage to BBVA

  • Calculate your mortgage

The peace of mind that comes with always paying the same price for your mortgage

With the BBVA Fixed-Rate Mortgage you pay the same amount every month, with no increases or surprises. From 1.90% NIR (APR 2.65%).

  • Fixed interest, from 1.90% NIR (APR 2.65%).
  • Term up to 30 years.
  • No opening fee.

The BBVA fixed-rate mortgage has a very attractive price

Up to 15 years Up to 20 years Up to 25 years Up to 30 years
Interest rate

1.90 % NIR

2.653% APR

2.25 % NIR

2.999% APR

2.50 % NIR

3.253% APR

2.75 % NIR

3.587% APR

Calculate your mortgage paymentsApply now

BBVA Variable Mortgage

At BBVA we have a variable-rate mortgage designed to make it easier for you to buy your home. Obtain it from Euribor + 1.25% (APR 2.003%).

  • From Euribor +1.25% (APR 2.003%).
  • With no start-up fee if you apply online.
  • Without base.
  • Term up to 30 years.

Calculate your mortgage paymentsApply now

Switch your mortgage to BBVA

If you are thinking about transferring your mortgage to another bank, at BBVA we will help to make the process as simple as possible for you. We offer very attractive conditions, with an interest rate from Euribor +1.25% (first twelve months: 1.25% NIR).

  • From Euribor +1.25% (APR 1.761%), first year 1.25%.
  • No start-up fee, no floor clause.
  • Term of up to 40 years.

Calculate your mortgage paymentsApply now

Discover the best mortgage for you

And, if you want to transfer your mortgage to BBVA, use the BBVA subrogation calculator

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Term and payment during the initial period

24 MONTHS984,€35 NIR: 2.25%

Monthly payment for the remaining 4 years (if the EURIBOR does not vary)894,52 €

Euribor + 1.38%APR: 3.014%

Apply for a mortgage

Variable-rate mortgage fees

FIXED-RATE mortgage

Your monthly repayment will always be the same, with no increases and no surprises.

Your monthly payment will be:1,245€.28

NIR: 2.25%APR: 3.014%

Apply for a mortgage

Fixed-rate mortgage fees

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Related links

Mortgage comparison

Quickly compare the characteristics and requirements of our mortgages so that you can buy the house of your dreams.

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Official interest rates (Banco de España)

Here is the link to the Banco de España web page showing the official interest rates.

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Taking out a mortgage loan in Spain

We provide you with the complete guide created by Banco de España on mortgage loans.

More information (PDF)

Precontractual information file (FIPRE)

This file offers you information on BBVA mortgages, facilitating transparency and protection of the banking customer.

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Annex to precontractual information file (FIPRE)

Additional text on the precontractual information file (FIPRE) with regards to BBVA mortgages.

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BBVA Vivienda

Go to and discover our large offer of real-estate, including homes, garages, storage rooms, businesses premises, offices... See all our listings.

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