Mortgage Openbank

Open Mortgage
from Euribor + 0,99% ¹
Variable APR 0,93% ²

Mortgage Calculator

Easy, fast and with no fees

Calculate your installment

From Euribor + 0,99% ¹

Variable Open Mortgage with nominal interest rate of Euribor + 0,99%​​​​​​​ (1). Variable APR: 0,93% (2).

No fees

With Open Mortgage you don´t pay any fees. There are no fees for opening, partial or full repayment, switching your mortgage or changing the conditions.

Select your Mortgage

We offer three options to compare, you can choose the mortgage that suits your circumstances best; Variable, Mixed or Fixed rate.

With a dedicated relationship manager

The application process is online, and to make it as straightforward as possible, you will have a personal relationship manager to guide you through until your house purchase is complete.

Calculate your installment

Property purpose

Property type

Where is the house location?

Where is the house location?

What is your estimated property value?

MIN. 40,000 €
MAX. 4,000,000 €
Property value: 40,000 to 4,000,000€

How much do you want to borrow?

It needs to be less than 80% of property value
Mortgage value: 30,000 to 3,000,000€
MIN. 30,000 €
MAX. 3,000,000 €

How long would you like your mortgage for?

MIN. 5 years
MAX. 30 years
Term from 5 to 30 years.

If you have already started an application, pulsa aquí.

Apply for a Mortgage

How does it work?


Calculate your mortgage payment

Select the quantity and term. We calculate your monthly repayment for three mortgage options. Choose the one that best suits you.


You will know instantly if it is pre-approved

The simulation is very quick. You will know straight away if your mortgage is pre-approved (3).


We will grant you your mortgage

We will analyse your data and if everything is correct we will grant you the mortgage.


And you sign

Sign the loan and the purchase agreement at the Notary. You can now enjoy your new home!


Do you want to know more about Open Mortgage?


Anyone who is over 18 years old and resident in Spain with a Current Account in Openbank. The sum of the applicant's age and the term of the mortgage must not exceed 75 years. At least one of the holders must prove fixed income from employment, self-employed or pension.

With Open Mortgage you won't pay commissions, whichever option you choose; Variable, Mixed or Fixed rate:

  • No opening fee.
  • No partial or full repayment fee.
  • No fee to change/move your mortgage.
  • No fee to change conditions.

It is fast and straightforward. You can do it all online, for example completing information, uploading documentation, etc. Additionally you will have a personal relationship manager throughout the whole process, to make it even easier.

 Up to two title holders per mortgage.​​​​​​​

The minimum loan amount is € 30,000 and the maximum is 80% of the lower of the following amounts: (i) appraised property value or (ii) agreed purchase price, for first property; and 70% of the lower of these amounts for a second property, up to € 3,000,000.

Contact our mortgage specialists

Our mortgage specialists will help you with whatever you need.

Leave us your information and we'll call you right back. (Mon- Thu 9:00 a 19:00h and Fri de 9:00 a 15:00h)

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