With bonus¹
APR in first half-year 3.20 %, subsequently 3.15 %
AER 4.14 %
Front-end fee: 0.15 %
Youth Mortgage*
Are you up to 35 years of age?
This is your digital mortgage
Your online mortgage from home
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.
Fixed or Variable Rate
You choose whether you want to pay the same each month or make repayments depending on the Euribor rate.
With a specialised manager
You'll have a manger to accompany you throughout the process. You can also enquire about your application's status at any time.
And what if I prefer going to a branch?
If you wouldn't like to do it all on the Internet, you can also personally go to a branch to apply for this mortgage.
Terms and conditions of the Fixed-Rate Youth Mortgage
Without bonus²
APR in first half-year 3.20 %, subsequently 4.15 %
AER 4.29 %
Front-end fee: 0.15 %
Terms and conditions of the Variable-Rate Youth Mortgage
With bonus³
APR in first year 2.20 %, subsequently Euribor+0.60 %
Variable AER 3.75 %
Front-end fee: 0.15 %
Without bonus⁴
APR in first year 2.20 %, subsequently Euribor+1.60 %
Variable AER 3.84 %
Front-end fee: 0.15 %
Up to 30 years to repay your mortgage
You can repay it in up to a maximum of 30 years.
Financing of up to 80%
You will be able to finance up to 80% of your main residence and up to 70% of a second home with the Youth Mortgage. The amount to be financed will be the lower of the purchase price and the valuation.
ICO First Home Mortgage
Unicaja has joined the ICO guarantee programme so you can finance up to 100% of the price of your new home**.
This programme makes it easier for young people and families with dependent minors to purchase their first home, who have not yet saved enough to purchase it. It ends on 31 December 2025.
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 September 20, 2026.
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.
Conditions valid until June 20, 2026.
Marketing temporarily suspended.
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.
Lower your Youth Mortgage's interest rate
These are the products and services that reduce the Youth Mortgage's interest rate depending on your preferences:
- Have your payroll (more than €600 per month) and credit card payments direct deposited.
- Home insurance, life insurance, temporary disability/unemployment insurance, health insurance, or car insurance***.
- Contributions to investment funds or pension plans.
Get a 5% discount at IKEA and a free decoration project with your Youth Mortgage
Do you want give your home a warm welcome? You can now benefit from a 5% discount at IKEA for purchases over €80 if you've taken out a Youth Mortgage from us. Transport, installation, assembly and decoration advice services are excluded.
But that's not all because you can benefit from a free decoration project if the purchase you make at IKEA exceeds €500.
Practical information on youth 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
How does the Youth Mortgage work?
If you wish to apply for a personalised Youth Mortgage, you just have to follow the four steps below. Although it's very easy, we will however guide you throughout the process and provide you with information on your mortgage application's status.
Simulation
Once you are in the simulator, calculate the monthly repayment for the type of mortgage (fixed or variable-rate) that meets your needs.
Assessment
Submit the documents needed to conduct an assessment of your Youth Mortgage.
Approval
Once the documents have been assessed and they are in order, your Youth Mortgage will be approved so you can read and sign the legal documents electronically.
Signing
Only signing at the notary's office now needs to be done. Choose the notary's office you prefer and we will send you all the documents there. It's as simple as that to enjoy your new home!
Other Unicaja mortgages
Fixed-Rate Mortgage
The Fixed-Rate Mortgage will give you the peace of mind of always paying the same repayment for your home.
Variable-Rate Mortgage
The Variable-Rate Mortgage allows you to have a monthly repayment that adapts to and evolves with the market.
Frequently asked questions about the Unicaja Youth Mortgage
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.
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, 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.
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.
If there are any errors in the data you have entered or you need to make changes to them, you can cancel the application and initiate a new one. When the manager gets in touch with you to process your application, you can also inform them about which data you wish to change and we will do it for you.
Check out the following typical examples
AER, total cost of the mortgage loan and total amount owed by the borrower based on a typical example of a loan amounting to €150,000 with a front-end fee of 0.15%, a 25-year repayment term through the payment of 300 constant monthly repayments, including both the principal and interest, and with the interest rate indicated below:
25-YEAR FIXED-RATE MORTGAGE:
(1) Meeting all the requirements to obtain maximum interest rate bonus:
- AER "with maximum bonus": 4.14 % (5)
- Nominal annual percentage rate (APR): Fixed rate in the first six months: 3.20 %. Fixed rate subsequently: 3.15 %. This APR can be obtained with other combinations of subscribed products/services other than those used by Unicaja to calculate the example.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/01/2026. Monthly repayment: € 727.18. Subsequently: € 723.30. Except for the last repayment of € 724.36.
- Total amount owed: € 238,341.09. Total interest: € 67,014.34. Total cost of mortgage loan: € 88,341.09.
Example of products selected by Unicaja that can be subscribed jointly to obtain a bonified interest rate (APR), which have been used to calculate the AER "with maximum bonus":
Salary deposited directly into account as from €600 net per month. Credit card consumption for an amount of at least €600 calculated in the 6 months prior to each semi-annual review date of interest rate bonuses. Home insurance protection. Life Risk Insurance 100% associated with the loan. Minimum contribution to a Pension Plan of 0.6% of the outstanding capital in the 6 months prior to each half-yearly review date of the interest rate subsidies.
The fulfilment of requirements will be checked as of the second half-year of the loan's term and thereafter at successive six-monthly reviews.
- Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (7): € 267.65. Life insurance (7): € 358.51. Credit card maintenance fee: € 48.35. Demand account maintenance fee: € 120.00 per year. Contribution of 0.6% half-yearly, on outstanding capital, to pension plan, with the annual cost of the management and depository commission being € 34.68. Valuation: € 372. Arrangement fee: € 225 (the latter two fees are only payable once at the time of opening)
(2) Without meeting the requirements (interest rate without bonus):
- AER without bonus: 4.29 % (5)
- Nominal annual percentage rate (APR): Fixed rate in the first six months: 3.20 %. Fixed rate subsequently: 4.15 %.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/01/2026. Repayment in first half-year: € 727.18. Subsequently: € 803.13. Except for the last repayment of € 800.74.
- Total amount owed: € 242,603.16. Total interest: € 90,480.91. Total cost of mortgage loan: € 92,603.16.
- Annual costs charged to the customer without meeting requirements: Indemnity insurance (8): € 61.01. Demand account maintenance fee only for the payment of the loan: € 0.00. Appraisal: € 372. Front-end fee: € 225 (these last two expenses paid at the time the mortgage is taken out).
25-YEAR VARIABLE INTEREST RATE YOUTH MORTGAGE:
(3) Meeting all the requirements to obtain maximum interest rate bonus:
- Variable AER "with maximum bonus": 3.75 % (6) This AER has been calculated as provided by Act 5/2019 of 15 March governing real estate credit contracts and the interpretative criteria of Directorate-General of the Treasury and International Financing notified by the Bank of Spain.
- Nominal annual percentage rate (APR): Fixed in first year: 2.20 %. Variable: One-year Euribor rate +0.60 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/12/2025 was 2.22 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 2.82 %.
This APR can be obtained with other combinations of subscribed products/services other than those used by Unicaja to calculate the example.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/01/2026. Repayments in first year: € 650.59. Subsequently, € 695.55. Except for the last repayment of € 694.58. From the second year, the total interest, total cost and total amount owed have been applied to the higher borrowing rate of the initial fixed interest rate and the reference rate (one-year Euribor rate published monthly in the Official Journal of the State at the above-mentioned value) plus the differential to calculate the repayments. The repayments have therefore been calculated by taking into account an APR of 2.82 %.
Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied. - Total amount owed: € 229,451.26. Total interest: € 58,124.51. Total cost of mortgage loan: € 79,451.26.
Example of products selected by Unicaja that can be subscribed jointly to obtain a bonified interest rate (APR), which have been used to calculate the AER "with maximum bonus":
Salary deposited directly into account as from € 600 net per month. Credit card consumption for an amount of at least € 1,200.00 calculated during the 12 months prior to the date of the annual interest rate bonus review. Home Protection Insurance. Life Risk Insurance 100% associated with the loan. Minimum contribution to a Pension Plan of 1.2% of the outstanding capital in the 12 months prior to each annual review date of the interest rate subsidies
Compliance with the requirements for the interest rate subsidy applicable to the loan will be verified from the first year of the loan (inclusive) and subsequently in successive annual reviews.
- Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (7): € 267.65. Life insurance (7): € 358.51. Credit card maintenance fee: € 48.35. Demand account maintenance fee: € 120.00 a year. Contribution of 1.2% of outstanding capital to a pension plan, the annual cost of the management and depository commission being € 34.68. Valuation: € 372. Arrangement fee: € 225 (these last two fees are only payable once at arrangement).
(4) Without meeting the requirements (interest rate without bonus):
- Variable AER without bonus: 3,84 % (6). This AER has been calculated as provided by Act 5/2019 of 15 March governing real estate credit contracts and the interpretative criteria of Directorate-General of the Treasury and International Financing notified by the Bank of Spain.
- Nominal annual percentage rate (APR): Fixed in first year: 2.20 %. One-year Euribor rate +1.60 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/12/2025 was 2.22 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 3.82 %.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/01/2026. Repayments in first year: € 650.59. Subsequently: € 772.13. Except for the last repayment of € 773.81. From the second year, the total interest, total cost and total amount owed have been applied to the higher borrowing rate of the initial fixed interest rate and the reference rate (one-year Euribor rate published monthly in the Official Journal of the State at the above-mentioned value) plus the differential to calculate the repayments. The repayments have therefore been calculated by taking into account an APR of 3.82 %.
Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied. - Total amount owed: € 232,304.45. Total interest: € 80,182.20. Total cost of mortgage loan: € 82,304.45.
- Annual costs without meeting requirements (interest rate without bonus): Indemnity insurance (8): € 61.01. Demand account maintenance fee only for the payment of the loan: € 0 a year. Appraisal: € 372. Front-end fee: € 225 (these last two expenses paid at the time the mortgage is taken out).
Repayment amount calculation formula for the previous examples (1), (2), (3) and (4): The repayments will include the principal and interest, and will be of a constant amount until an interest rate change or review.
In order to calculate the aforementioned repayments, the French amortisation method has been used, which is a constant-repayment amortisation system in which a larger amount of interest than the principal is paid off during the first years and more principal than interest is paid off in the latter years. The formula to calculate the amount of the repayments is as follows:
The values which appear in the formula have the following meanings:
"R": monthly repayment.
"C": the loan's nominal amount or principal (in the case of not meeting requirements, it will be the outstanding principal to be paid off at any given time).
"n": the number of repayments. As from the interest rate review, they would be calculated for the outstanding part.
"r": index of the product (∏).
"s": index of the sum (∑).
"pr": days of interest accrual in the interest settlement period for which the repayment is calculated (can take on the values of 28, 29, 30 or 31 depending on the month).
"i": nominal annual percentage rate that applies to the interest period in question, expressed as a percentage.
The applicable formula to calculate this loan's interest is as follows: Outstanding principal multiplied by the APR (in percentage terms) and time, divided by 365. In this formula, it is construed that the principal is the balance of the principal, APR is the nominal annual percentage rate, and time is construed to be the number of calendar days depending on the month which is being calculated (28, 29, 30 or 31).
The amortisation of the principal will be equivalent to the repayment minus the interest.
(5) The AER indicated was calculated on 05/12/2025 using the APR and costs indicated that are charged to the customer, considering that no early repayments, either partial or full, are made throughout the entire term of the loan. Monthly principal and interest repayments.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the credit card, the AER may vary according to the amount and term granted. The holders' age plus the loan's term may not exceed 75 years for a main residence or 70 years for a second residence. In the event of early repayment or redemption, either partial or full, of the loan during the first ten years of the loan agreement's term or from the day on which the fixed interest rate applies, a compensation in favour of the lender may be set, which may not exceed the amount of the financial loss the borrower may suffer, with a limit of 2% of the principal repaid early.
In the event of early repayment or redemption, either partial or full, of the loan from the end of the aforementioned period until the end of the loan's term, a compensation in favour of the lender has been set, which may not exceed the amount of the financial loss the borrower may suffer, with a limit of 1.5% of the principal repaid early.
(6) The Variable AER indicated was calculated on 05/11/2025 using the APR and costs indicated that are charged to the customer, considering that no early repayments, either partial or full, are made throughout the entire term of the loan and assuming that the reference rate does not vary. It will therefore vary with the interest rate reviews. Monthly principal and interest repayments.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the credit card, the variable AER may vary according to the amount and term granted. The holders' age plus the loan's term may not exceed 75 years for a main residence or 70 years for a second residence.
In the event of early repayment or redemption, either partial or full, of the loan during the first three years of the loan agreement's term, a compensation or fee in favour of the lender may be set, which may not exceed the amount of the financial loss the borrower may suffer, with a limit of 0.25% of the principal repaid early.
(7) Annual premium of Protection Home Insurance calculated for a flat having a floor area of 80 m2 without any contents, an insured building amount of € 64,000.00, annual premium of the life insurance policy associated to the loan calculated for a person of 30 years of age. These insurance policies can be taken out with the insurance company chosen by the customer. Nonetheless, both kinds of insurance must be taken out with the intermediation of Unicaja to be able to take advantages of a bonified interest rate while meeting requirements. The insurance premiums will be updated annually in accordance with the specific terms and conditions of the policy.
(8) Annual premium of indemnity insurance (fire and third-party liability insurance) calculated for a flat having a floor are of 90 m2 without any contents and an insured building amount of € 72,000.00. This insurance may be taken out with the company of your choice.
The borrower will be liable to Unicaja Banco, S.A. for the loan's repayment, not only with their home but also with all their current and future assets. You may lose your home if you fail to make your repayments promptly. Should a guarantor(s) be involved in the loan, the guarantor(s) will also be liable with all their present and future assets.
(*) 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.
(**) None of the buyers —who must coincide with the holders of the loan— may have turned 36 years of age at the time the loan is signed. If the customer lacks the necessary funds to cover the percentage which the bank does not finance, the ICO guarantee line will guarantee up to the remaining 20% of the mortgage loan's amount or up to 25% if the home has obtained an energy rating of D or above. The home's purchase price may not exceed the maximum price set for each regional authority. Consult the table on the maximum amounts set for each regional authority here.
(***) Insurance taken out with Unicorp Vida (life, risk or accident insurance), Caser (car, health, dental, home, payment protection or pet insurance) and/or Santalucía (funeral insurance) through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unicaja Mediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
INFORMATIVE NOTE 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.