A mortgage for each customer

At Unicaja Banco we offer different kinds of mortgages depending on each customer's characteristics to make sure you'll always find the mortgage you need, regardless of whether you are young, a civil servant, a salaried employee or a high-income earner... Choose the mortgage that best suits your needs, variable or fixed-rate mortgage.


Up to 30 years to pay for your home

Apply for your mortgage with a maximum term of 30 years to pay it back in convenient repayments. Take into account that the sum of the oldest holder's age plus the mortgage's term may not exceed 70 years. If you want to finance your second home, the maximum term of your mortgage will be 25 years.


Finance up to 80% of your future home

You can finance up to 80% of the property's value if it is your main home. If you want to purchase your second home, you can finance up to 70% of its value. The reference value to take out your mortgage will be the lesser of the home's market price and the outcome of its appraisal.


Make partial repayments as from €300

Make all the early repayments you want as from only €300. You can choose to reduce the number of monthly repayments or lower the repayment amount. In addition, should you need it, you will not start paying off the principal for another two years.

Calculate your repayment

Calculate your fixed-rate mortgage's repayment

The mortgage simulator* allows you to calculate how much you would pay per month for your dream home. Furthermore, you can request a preliminary appraisal and find out whether your mortgage has been pre-approved without moving from home.


With peace of mind

  • A mortgage adapted to your personal and financial situation
  • With the term and amount which best cover your needs
  • We will be by your side to make sure everything is easy

If you are under 35 years of age, this is your mortgage



Hipoteca joven 25 años a tipo fijo Unicaja Banco

Find out about more advantages of your Fixed-Rate Mortgage

You will have more advantages with your Fixed-Rate Mortgage 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.


Apply for a Unicaja Banco Fixed-Rate Mortgage

Frequently Asked Questions Unicaja Banco Fixed-Rate Mortgage

Until what age can you grant me a Fixed-Rate Mortgage?

You can apply for a Unicaja Banco Fixed-Rate Mortgage provided that the sum of its term and the age of the oldest holder does not exceed 75 years for the first residence or 70 years for the second residence.

Can early repayments of the Unicaja Banco Fixed-Rate Mortgage be made?

Yes, they can. You can make as many early repayments as you wish as from €300. You can also fully redeem your mortgage. If a financial loss for Unicaja Banco comes about when you make the repayment, you will have to pay compensation having the following maximum limits:

  • During the first 10 years: limit of 2% of the principal repaid early.
  • As from the 11th year: limit of 1.5% of the principal repaid early.

Is it mandatory to take out basic indemnity insurance when mortgaging my home?

Yes, it is, since the mortgage loan's security, which in this case is the property, would not be affected by contingencies like fire.

How can I calculate the monthly repayment I would pay?

We have a mortgage simulator* that will allow you to find out what repayment you will pay with the amount and term combinations you decide on. View Mortgage Simulator

How can I find out how much interest I pay in each monthly repayment?

Once you have taken out your Fixed-Rate Mortgage, you can query how much principal and interest you are paying on your Digital Banking service.

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

Practical information fixed 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

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