How can I know which kind of mortgage is the most suitable for me?

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, variable-rate or a mixed-rate mortgage: 100% Online Fixed-Rate Mortgage : You will have the peace of mind of knowing the repayments you will pay throughout the life of the loan, since the interest rate is fixed and not subject to any variations in the reference indices. 100% Online Variable-Rate Mortgage : The repayment amount is calculated by taking into account the reference index (usually the one-year Euribor rate) and the agreed differential. Since the reference index fluctuates, the repayment amount will be reviewed on a half-yearly basis and will consequently vary. The Mixed-Rate Mortgage gives you the peace of mind of paying the same amount for the first 5 years. The rest adapts and evolves with the market.

Unicaja Mortgages

At last, the mortgage you've been looking for

We have the mortgage* loan that suits you. Apply for it fully online or, if you prefer, at your branch.

In addition, your mortgage loan entitles you to a 5% discount at IKEA and free advice from an interior designer. Only until December 31, 2026.

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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.

Essential paperwork

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.

Find out about our mortgages

Are you thinking of buying a property in Spain and you have doubts about how to start the process?

Our goal is to support and help you with whatever you may need. Download our guide  and learn the process of buying a house in Spain in a clear and simple way.  We hope that our help at every step will make the journey easier.

Download guide

Housing plans for young people

Get better financing through the authorities' housing programmes for young people up to 35 years of age (up to 40 years of age, in the case of residing in the Community of Madrid or Andalusia).

ICO Guarantee Line for purchasing a FIRST HOME

Your first home may be much closer than you imagine. Thanks to the ICO FIRST HOME Guarantee Line you might be eligible for a Youth Mortgage to purchase your first home in Spain with financing of up to 100% of either the appraisal value or the purchase price, whichever is lower. Granting is subject to Unicaja's criteria and the terms and conditions are valid until 31 December 2027.

Query the programme's terms and conditions and start building your future home.

View the programme's terms and conditions

Castilla y León

If you are thinking about purchasing your first home in Castilla y León, we offer you the Housing Access Plan for Young People, allowing you to take out our fixed or variable-rate Youth Mortgage with financing of up to 97.5% of the appraisal value or purchase price, whichever is lower.

Granting of the mortgage is subject to the criteria set by the institution.

Terms and conditions valid until December 31, 2026.

View the programme's terms and conditions

Madrid

Would you like to live in Madrid? If so, you'll love the Madrid Regional Authority's (Comunidad de Madrid) My First Home Plan! Take out our Youth Mortgage, which offers you up to 100% of the property's appraisal value or purchase price, whichever is lower.

Take into account that granting of the mortgage is subject to the criteria set by the institution.

Terms and conditions valid until September 20, 2026.

View the programme's terms and conditions

Andalusia

Did you know that Andalusia is among the best places in the world to live? Thanks to the Andalusia Regional Authority's (Junta de Andalucía) Young Person's Home Guarantee, take out a Youth Mortgage and obtain financing of up to 100% of the property's appraisal value or purchase price, whichever is lower.

Take into account that granting of the mortgage is subject to the criteria set by the institution.

Sales temporarily suspended.

View the programme's terms and conditions

Extremadura

Extremadura is a regional authority with a wonderful future brimming with opportunities and an exceptional past.

If are thinking about buying your first home, you can be granted our Youth Mortgage with up to 95% of the appraisal value or purchase price, whichever is lower, through the Extremadura Home Purchase Guarantee Fund programme.

Terms and conditions valid until December 31, 2026.

Granting subject to the institution's criteria.

View the programme's terms and conditions

Melilla

If you are thinking about buying your first home in Melilla, you can be granted our Youth Mortgage for up to 95% of its appraisal value or purchase price, whichever is lower, through the “Melilla Youth Home Guarantee” programme.

Terms and conditions valid until December 31, 2026.

Granting subject to the institution's criteria.

View the programme's terms and conditions

Valencia Regional Authority

You may be entitled to our Youth Mortgage to purchase your first home and get up to 100% of the appraisal value or purchase price financed, whichever is lower, thanks to the IVF Guarantee Programme aimed at granting financing for home purchases in the Valencia Regional Authority.

Take into account that granting of the mortgage is subject to the criteria set by the institution.

Terms and conditions valid until December 31, 2026.

View the programme's terms and conditions

Galicia

Galicia is a land that combines nature, quality of life and a unique environment. Thanks to the Galicia Regional Authority's Guarantee Programme, you can apply for our Youth Mortgage and purchase your first home with financing of up to 100% of the appraisal value or the purchase price, whichever is lower.

Terms and conditions valid until December 31, 2026.
Financing subject to the institution's approval.

View the programme's terms and conditions

PRACTICAL INFORMATION - MORTGAGES

Mortgage loan access guide

Here you can find the information you need to take out a loan for the purchase of a home.

Code of good practice

Here you have access to general information on measures to strengthen the protection of mortgagors.

More than 445,000 people like you have already taken out their mortgage at Unicaja.

Calculate mortgage with no strings attached

You will get a 5% discount at IKEA and a free decoration project with your mortgage.

To give your home a warm welcome once you signed the mortgage, you will benefit from a 5% discount for any purchases exceeding €80, excluding decorating advice, assembly, transport and installation services. In addition to the 5% discount, you have a free decoration project at your disposal for any purchases exceeding €500.

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.

SIMULATION

Calculate your home's monthly repayment amount and choose the mortgage that best suits your needs on the simulator: fixed, variable-rate or mixed-rate.

ASSESSMENT

Inform us of your personal details and submit the essential documents to assess your 100% online mortgage application.

APPROVAL

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.

SIGNING

You can choose the notary's office you prefer in Spain. We will then send them the documents. And enjoy your new home!

Download the detailed guide on the steps to apply for your mortgage

Download

Would you prefer a branch?

No problem, we will be happy to attend you.

Request an appointment

Frequently asked questions about 100% online mortgage

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, variable-rate or a mixed-rate mortgage:

100% Online Fixed-Rate Mortgage: You will have the peace of mind of knowing the repayments you will pay throughout the life of the loan, since the interest rate is fixed and not subject to any variations in the reference indices.
100% Online Variable-Rate Mortgage: The repayment amount is calculated by taking into account the reference index (usually the one-year Euribor rate) and the agreed differential. Since the reference index fluctuates, the repayment amount will be reviewed on a half-yearly basis and will consequently vary.
The Mixed-Rate Mortgage gives you the peace of mind of paying the same amount for the first 5 years. The rest adapts and evolves with the market.

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 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.

(*) 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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