Take it out at your nearest branch

One of our agents will help you create the offer which best fits in with your needs with no strings attached.


Specialised manager just for you

You'll have an expert manager at your side throughout the process. Moreover, you'll be able to query the status of your application at any time.

Requirements of the Madrid Regional Authority's My First Home Plan


You must be between 18 and 35 years of age and have lived in the Madrid Regional Authority (Comunidad de Madrid) for at least two years without interruption prior to applying for your mortgage.



Your dream home must be within the Madrid Regional Authority, it must be the first time you purchase a home and you must be able to prove that you do not own any other property.


The price of the home, excluding any expenses and taxes related to the purchase, must not exceed €390,000.


The home you buy must be your permanent main residence for at least two years.


You must have legally resided in the Madrid Regional Authority on a continuous uninterrupted basis for two years prior to submitting the application.

Descuento del 5% en tus compras en IKEA y proyecto de decoración gratuito

5% discount on your IKEA purchases and free decoration project

Welcome to your new home and celebrate! You can now benefit from a 5% discount at IKEA for purchases over €80 if you've taken out a Youth Mortgage from us. Take into account that this discount does not apply to transport, installation, assembly and decoration advice services.


But that's not all! If your purchase at IKEA exceeds €500, we offer you the chance of getting a decoration project free of charge. You will therefore be able to create the perfect ambience in your new space at no additional cost. Take advantage of this exclusive offer and give your new home a personal touch!

Mejora el tipo de interés de tu hipoteca joven 100% Online

Improve the terms and conditions with these products and services:

  • Home, life or unemployment*/temporary incapacity insurance.
  • Any other insurance you may need*: store, agricultural, car insurance, etc.
  • Directly deposited income and directly debited bills.
  • Card use.
  • Pension plans, investment funds...

How do I apply for it?

Go to any of our branches and we will conduct a personalised study with no strings attached.

Solicitud de financiación vía Mi Primera Vivienda

1. My First Home financing application

You will need to submit the following documents at the branch:

  • Identity document
  • Madrid Regional Authority residence certificate (certificado de empadronamiento)
  • Negative cadastre certificate (certificado negativo catastral) and Land Registry extract (nota simple) stating that you do not own any real estate intended as housing
  • Earnest money contract (contrato de arras)/commitment to buy/sell the property
  • Affidavit of liability (declaración responsable) stating that the home will be used as a main residence for at least two years as from the date of purchase

Estudio de tu hipoteca - Hipoteca Joven Comunidad de Madrid

2. Study of your mortgage

In order to be able to conduct a study of your mortgage, you must go to your nearest branch and submit the documents we have listed above in the previous step.

Other Unicaja mortgages

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.

Can we help you?

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal: