You give us the numbers and we'll do the sums.

With our calculator you can work out your monthly payments and costs related to your mortgage.

Property price
75000 €
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View Still not sure what a mortgage is? Still not sure what a mortgage is?

We'll tell you what you need to know before you buy your home.

A mortgage is a product designed to help finance the purchase of a new home or a primary residence. You ask a bank for a sum of money which you will repay with monthly instalments over an agreed period of time. The sum you borrow will depend on the type of loan and the use of the property.

The monthly payments are based on the mortgage value of the property, the agreed repayment period and the interest rate.

The difference between a mortgage and a personal loan is that, with mortgages, the property acts as collateral.

In addition to your monthly instalments, you also need to consider the related expenses (management, notary, mortgage registration and stamp duty) before signing for your mortgage. With Bankinter mortgages, the Bank pays all these expenses.

View Not sure which mortgage to choose? Not sure which mortgage to choose?

We explain the different types of mortgages available.

Fixed-rate mortgage

This type of mortgage gives you the peace of mind of knowing that you'll pay the same amount each month. It's a very simple mortgage because you can know what it will all cost in the end. Whether the interest rate goes up or down, your monthly instalments will never change.

Find out more about Bankinter fixed-rate mortgage

Variable-rate mortgage

The key characteristic of a variable-rate mortgage is the interest rate applied to the loan. Instead of a fixed rate, interest is based on the Euribor plus a fixed spread.

So now you're probably wondering what the Euribor and a spread are.

The Euribor is an official index we could colloquially define as 'the price of money'. In fact, it's the interest rate banks in the euro zone apply when they lend each other money. Variable-rate mortgages are reviewed annually and updated according to this index.

The spread is what you need to focus on when comparing offers from different banks because it will differentiate one offer from another when added to the Euribor.

Find out more about Bankinter variable-rate mortgage

Mixed mortgage

A mixed mortgage combines two interest models in the same product: fixed and variable. During the first years of the life of the mortgage, the fixed rate is applied, so your monthly payments will always be the same. That will give you peace of mind after making an enormous financial effort.

After a few years the mortgage will become variable, which means that it will be subject to the Euribor and a spread, so your payments could go up or down, depending on how the Euribor behaves.

Find out more about Bankinter mixed mortgage

Dual mortgage

A mortgage with fixed/variable interest so that you can adapt it as it suits you, according to your needs. In the same receipt, your mortgage will have a tranche that pays at a fixed rate and another that pays at a variable rate. You will no longer have to decide on one option or another. The best of both in the same mortgage.

Find out more about Bankinter dual mortgage