Your 100% online mortgage
No need to move. Everything can be done from your sofa, except to go at the notary's office, where we'll finally see each other.
With a specialised manager
A manager will at your side throughout the process. Furthermore, you will be able to query your application's status at any time.
You will only have to deal with the essential paperwork with the 100% online mortgage and can send it all online without having to go to any branch.
And what if I prefer going to a branch?
If you prefer not to process your application fully online, you can also apply for this mortgage at a branch.
The 100% Online Fixed-Rate Mortgage will give you the peace of mind of always paying the same repayment for your home.
The 100% Online Variable-Rate Mortgage allows you to have a monthly repayment that adapts to and evolves with the market.
Are you younger than 35? Find out about your mortgage with special terms and conditions if you are under 35 years of age.
The Mixed-Rate Mortgage gives you the peace of mind of having the same repayment amount in the first five years. The rest are adapted to and evolve with the market.
Efficiency pays off with the Oxygen Mortgage. A mortgage that is committed to sustainability.
How does the 100% online mortgage work?
It's easy, involves only 4 steps and you'll always be accompanied. We will guide you throughout the entire process and you will always have updated information on your application's status. You only have to follow the steps to apply for your personalised 100% online mortgage.
Calculate your home's monthly repayment amount and choose the mortgage that best suits your needs on the simulator: fixed or variable-rate.
Inform us of your personal details and submit the essential documents to assess your 100% online mortgage application.
If everything is in order, your 100% online mortgage will be approved and you will only have to read and sign the legal documents electronically.
You can choose the notary's office you prefer in Spain. We will then send them the documents. And enjoy your new home!
Once you have simulated your mortgage repayments, you can obtain a personalised assessment by commencing the online application process. You can choose between a fixed or a variable-rate mortgage:
You can get in touch with your manager at any time, who will know the details of your mortgage application and can give you all the help you need.
It's very easy. Once you have found the home you would like to buy, calculate the monthly repayment amount you will have to pay for it on our mortgage simulator. Then request a personalised assessment of your online mortgage, submitting your details and the documents we will ask you for. If everything is in order and we approve your application, we will open an account at Unicaja Banco to make direct debits of the repayments and we will sign the mortgage at the notary's office of your choice. Everything is 100% online right up to the signing!
Applications for our mortgages can be made to finance the purchase of any home, whether it is your main residence or not, as well as to make home improvements and transfer the mortgage you currently have at another institution to Unicaja Banco.
(*) Granting of our mortgages is subject to the institution's criteria. Mortgage for home purchases for natural persons who reside in Spain having income or wealth solely in euros.
INFORMATIVE POSTER FOR THE IDEP ON MORTGAGE LOANS ON A HOME TO BE FORMALISED OR THAT ARE ENTERED INTO IN ANDALUCIA
The consumer and user who wishes to take out a mortgage loan on a home has the right to be provided with an index of mandatory delivery documents, which lists all the documents that have to be provided until the loan contract is duly signed.
Law 3/2016, published in the BOJA (Official Gazette of the Government of Andalusia) of June 9 2016, for the protection of the rights of consumers and users when taking out loans and mortgages on housing
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