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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.

Calculate your monthly payment

  • BBVA Valora

  • Fixed Rate Mortgage

  • Variable Rate Mortgage

  • Mixed-rate Mortgage

  • Switch your mortgage to BBVA

  • Calculate your mortgage

What is BBVA Valora?

With BBVA Valora, you can find out the expected sale price of similar nearby real estate, and the approximate purchase price, as well as the impact that this purchase may have on your finances.

How much does it cost

Get to know the market value of your future house and other key points.*

Analyze a property

What the neighborhood is like

Discover information on the specific area that interests you.*

Analyze the neighborhood

How to work out the cost

Find out the impact of the purchase on your finances and calculate other expenses.

Do your numbers

BBVA Valora allows you to ...

With the information that you will find in the search tool, acquired from Madiva Soluciones, S.L. from:

  • the cadastral information of the house (geoposition, m2, year of construction and other characteristics of the property)
  • and offers published for similar and close-by houses

It shows an estimation of the value of a property, which never substitutes a formal valuation.

All the information you will find in the search tool and the guide price calculation are acquired through Madiva Soluciones S.L.

Analyze a property

The neighborhood around the property is a very important factor when choosing your future home, which is why with this tool you can find out:

  • How many properties there are in the selected area, their prices and average surface areas.
  • Number of properties for sale in the area with respect to the total, because the greater the number, the more negotiation power you will have.
  • Evolution of the estimated sale price per m2.
  • Types of buildings in the area.

All the information that you will find in the search tool is acquired from Madiva Soluciones, S.L.

Analyze a neighborhood

With BBVA calculators, you will be able to:

  • Choose the mortgage that is best adapted to your needs.
  • See the impact on your finances in different scenarios.
  • Find out the costs associated with the transaction and the mortgage.

Do your numbers

More info

BBVA Valora is a service from the BBVA Group, which is formed of three tools: how much it is worth, what the neighborhood is like -owned by Madiva Soluciones, S.L.- and how to do your numbers -owned by BBVA, S.A.

Madiva Soluciones, S.L. is a technological company of the BBVA Group, which provides tools and solutions for data analysis. Using its technology, Madiva generates information coming from various sources and, using a combination of algorithms, offers interesting information for various sectors, including real estate.

With respect to the tools 'how much it can be worth' and 'what the neighborhood is like', Madiva Soluciones, S.L.: all the information is acquired from the property's cadastral information; the Cadastral Registry is the official registry of all property, including housing, commercial premises and plots of land. Madiva Soluciones, S.L. obtains the data from this register for homes of the whole of Spain, except for the Basque Country and Navarre. These two autonomous community regions have their own cadastral systems (one for each autonomous territory), which currently cannot be consulted online.

The prices shown are not an official valuation, whereby a professional visits the property and analyzes its state of conservation and characteristics to determine the value. It also excludes aspects that modify the value, such as the state of conservation, special characteristics (views, height or waterfront property), or installations (garden, swimming pool and other services).

* Information provided by Madiva Solutions S.L.

BBVA Fixed Mortgage

From

1.95% NIR

APR of 2.76%

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 1.95% NIR (2.76% APR).

  • Fixed interest rate, from 1.95% NIR (APR 2.76%).
  • Repayment period of up to 30 years for a primary home.

Calculate your mortgage paymentsApply now

BBVA Variable Mortgage

From

Euribor + 0.99

Variable APR of 1.705%

First two years at 1.75% NIR

BBVA Variable Mortgage

At BBVA we have a variable-rate mortgage designed to make it easier for you to buy your home. Get one starting at Euribor + 0.99 (Variable APR of 1.705%).

  • From Euribor + 0.99 (Variable APR of 1.705%).
  • Without base.
  • Term up to 30 years for primary residence.

Calculate your mortgage paymentsApply now

BBVA Mixed Mortgage

Combine fixed and variable interest

And get the best of both worlds!

Mixed-rate Mortgage

The mortgage that offers you the peace of mind that you need in the early years in your new home.

  • Fixed rate for the few first years (from 2 to 10 years). 
  • Remaining years: from Euribor + 0.99 (Variable APR of 1.705%). 
  • Without base. 
  • Repayment period of up to 30 years for a primary home.

Calculate your mortgage paymentsApply now

BBVA Mortgage

From

Euribor + 1.25

Variable APR of 1.65%

First 12 months at 1.25% NIR

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 starting from Euribor +1.25 (first twelve months: 1.25% NIR).

  • From Euribor + 1.25 (Variable APR of 1.65%), 1.25% NIR for first year.
  • Without base.
  • 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

Is it for a new home?
Will this be your main home?
In which province is it?
37,5001,500,000
30,0001,200,000
030,000
530

VARIABLE-RATE mortgage

Term and payment during the initial period

24 MONTHS---.-- € NIR: -.-- %


Monthly payment for the remaining - years (if the EURIBOR does not vary)---.-- €

Euribor +-.-- %APR: -.--- %

Apply for a mortgage

Variable-rate mortgage fees

MIXED-RATE mortgage

Term and payment during the initial period

---.-- € NIR: -.-- %


Monthly payment for the remaining -- years (if the EURIBOR does not vary)---.-- €

Euribor +-.-- %APR: -.--- %

Apply for a mortgage

Mixed-rate mortgage

FIXED-RATE mortgage

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

Your monthly payment will be:-,---.-- €

NIR: -.-- %APR: -.--- %

Apply for a mortgage

Fixed-rate mortgage fees

of questions answered

Related links

Floor clause information

View information about the procedure for requesting a refund in relation to a floor clause.

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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.

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Precontractual information file (FIPRE)

Information on the BBVA variable mortgage, providing transparency and protection for bank customers.

More information (PDF)

Annex to precontractual information file (FIPRE)

Additional text on the pre-contractual information file (FIPRE). Consumer law of Catalonia.

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Precontractual information file (FIPRE)

Information on the BBVA discounted fixed mortgage, providing transparency and protection for the banking customer.

More information (PDF)

Precontractual information file (FIPRE)

Information on the BBVA fixed mortgage, providing transparency and protection for bank customers.

More information (PDF)

Law 3/2016 Andalusia

Documents and information on the List of Documentation for Mandatory Submittal.

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