Characteristics of the Youth Mortgage


Special terms and conditions just for being young


Apply for your Youth Mortgage at Unicaja Banco and benefit from advantageous conditions for up to 35 years.


Up to 30 years to repay your mortgage


You have a repayment term of up to 30 years to repay your mortgage in convenient monthly repayments if it is your first home.



Early redemptions as from €300


You can make as many partial redemptions as you want and choose whether to reduce the number of repayments or lower the repayment amount.


Finance up to 80% of the home's value


You can finance up to 80% of the home's value with the Youth Mortgage, provided it is your first home.

Calculate your repayment

Mortgage simulator: calculate how much you would pay each month

If you have already found your dream home, calculate the monthly repayment you would pay with your Unicaja Banco Youth Mortgage* now.

Find out about more advantages of your Youth Mortgage

You will have more advantages with your mortgage for young people if you subscribe Unicaja Banco products and services, like:

  • Directly deposited salaries, directly debited bills or card consumption.

  • Home, life or temporary incapacity/unemployment insurance**.

  • Health and car insurance or any other kind of insurance you may need**.

  • Contributions to pension plans or investment funds.
Hipoteca joven 25 años a tipo fijo Unicaja Banco

Apply for a Unicaja Banco Youth Mortgage

Apply for Youth Mortgage

Frequently asked questions about the Unicaja Banco Youth Mortgage

What advantages does the Youth Mortgage offer as compared to the rest of Unicaja Banco's mortgages?

The Youth Mortgage offers better terms and conditions to make it easier for people under the age of 35 to gain access to financing at such an important moment of their lives. If you want further information, request it through our form.

What requirements must I meet to apply for a Youth Mortgage?

The main requirement is that none of the mortgagors can be older than 35 years of age.


In addition, it is a mortgage solely meant for the purchase of a home by natural persons residing in Spain who have income or wealth in euros. It is necessary to subscribe a current account at Unicaja Banco, as well as an indemnity insurance policy that covers any possible contingencies the home may suffer. Granting is subject to the institution's criteria after having conducted a risk viability study.

Is it necessary to have a guarantee to apply for a Youth Mortgage?

Not necessarily, though it will always be conditional on the risk study the branch will conduct. This study assesses the ability to pay; in other words, the continuity and stability of the income of the Youth Mortgage's mortgagors, along with any other debts they may have.

Pre-contractual information fixed rate mortgage

By virtue of the terms foreseen in Act 5/2019, of 15th March, that regulates real estate credit agreements, as well as Order EHA/2899/2011, of 28th October, on transparency and protection of the banking service client, Unicaja Banco makes the following available to you:


- The Pre-contractual Information File (FIPRE), the purpose of which is to provide clear and sufficient information as a guideline on the mortgage loans offered by the Bank; and


- The General Conditions used by Unicaja Banco in the contracts are included in the scope of application of said Act 5/2019


General conditions:

- General conditions of the loan agreement in Euros at a fixed rate with mortgage guarantee.

- General conditions of the loan agreement in Euros with mortgage guarantee at fixed rate intended for self-build.

General conditions of the loan agreement with mortgage guarantee Subrogation of promoter.


To obtain the PRE-CONTRACTUAL INFORMATION, let us know the location, guarantee and purpose of the mortgage loan that will allow calculation of the maximum financing percentage.

For the Autonomous Community of Andalucia, pursuant to Act 3/16, of 9th June, published in the BOJA on 16th June, for protection of the rights of consumers and users in contracting loans and mortgage loans on homes, Unicaja Banco provides you the following documents in addition to the FIPRE:

  • IDEP (Index of Documents for Mandatory Delivery)
  • DIPREC (Complementary Pre-contractual Information Document)

You must choose an option

You must choose an option

Individuals / Companies for individual scope

Pre-contractual information variable rate mortgage

En virtud de lo previsto en la Ley 5/2019, de 15 de marzo, reguladora de los contratos de crédito inmobiliario, así como en la Orden EHA/2899/2011, de 28 de octubre, de transparencia y protección del cliente de servicios bancarios, Unicaja Banco pone a tu disposición:


- la Ficha de Información Precontractual (FIPRE), cuya finalidad es facilitar información clara y suficiente con carácter orientativo sobre los préstamos hipotecarios que oferta la Entidad; y


- las Condiciones Generales que utiliza Unicaja Banco en los contratos incluidos en el ámbito de aplicación de la referida Ley 5/2019


Condiciones genelares:

- Condiciones generales de contrato de prestamo en Euros a tipo variable con garantía hipotecaria.

- Condiciones generales de contrato de préstamo en Euros con garantía hipotecaria a tipo variable destinado a autoconstrucción.

General conditions of the loan agreement with mortgage guarantee Subrogation of promoter.


Para obtener la INFORMACIÓN PRECONTRACTUAL indíquenos ámbito territorial, garantía y finalidad  del préstamo hipotecario que permitirá calcular el porcentaje máximo de financiación.

Para la  comunidad autónoma  de Andalucía, según la ley 3/16, de 9 de Junio, publicada en el BOJA de 16 de Junio, para la protección de los derechos de las personas  consumidoras y usuarias en la contratación de préstamos y créditos hipotecarios sobre la vivienda, Unicaja Banco pone a su disposición, además del FIPRE los siguientes documentos:

  • IDEP (Índice de de Documentos de Entrega Preceptiva)
  • DIPREC (Documento de Información Precontractual Complementaria)

You must choose an option

You must choose an option

Individuals / Companies for individual scope

Practical information mortgages

Mortgage loan access guide

Aquí tienes la información que necesitas para contratar un préstamo dirigido a la adquisición de una vivienda.

Code of good practice

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

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