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, 2025.
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.
Fixed-Rate Mortgage
The 100% Online Fixed-Rate Mortgage will give you the peace of mind of always paying the same repayment for your home.
Variable-Rate Mortgage
The 100% Online Variable-Rate Mortgage allows you to have a monthly repayment that adapts to and evolves with the market.
Youth Mortgage
Are you younger than 35? Find out about your mortgage with special terms and conditions if you are under 35 years of age.
Mixed-Rate Mortgage
The Mixed-Rate Mortgage gives you the peace of mind of having the same repayment amount in the first ten years. The rest are adapted to and evolve with the market.
Oxygen Mortgage
Efficiency pays off with the Oxygen Mortgage. A mortgage that is committed to sustainability.
Get better financing through the regional 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)
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, 2025.
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 August 2, 2025.
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.
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 31 December 2026. Granting subject to the institution's criteria.
Here you can find the information you need to take out a loan for the purchase of a home.
Here you have access to general information on measures to strengthen the protection of mortgagors.
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!
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:
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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Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
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