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Mortgage Simulator of Banco Sabadell 

Simulate your mortgage payment and get a customised price

 Mortgage payment simulatorMortgage payment simulator
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Simulate your mortgage with Banco Sabadell now and discover your personalised repayment plan1
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Shall we help you calculate the type of mortgage, the expenses and how much money we could lend you? Start by choosing where you are in the process:

Have you now found the house you want?

Yes, and I have it reserved (earnest money)Yes, and I have it reserved (earnest money)

Yes, but I haven’t reserved itYes, but I haven’t reserved it

No, I’m still looking for itNo, I’m still looking for it


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The result of this simulation will be advertising and indicative based on provisional data. To prepare it, we will base ourselves on current market conditions and on the data that you provide us through the next screens. If you want to apply for a mortgage once you see the result of your simulation, you should contact us for more information and receive your personalized offer.

The granting of the loan, its amount and the repayment period for each transaction requested will be subject to the bank’s risk analysis.
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Your mortgage in just 4 steps

Use our mortgages simulation  and find out how much you would pay for yours.
Choose your offer and upload your documents to our 100% secure online mortgage portal.
Find out what your personalised monthly fee1 will be with our simulator and the help of our experts.

Once your application has been reviewed and approved, you will be able to sign the mortgage contract and the deed before a notary.

Why take out a mortgage with Banco Sabadell?

  • Online or in-office mortgage application

     You can carry out all the procedures wherever you want from the comfort of your home or at a branch.

  • Personalised mortgage

     With our mortgage comparator you will discover what mortgage best suits your needs.

  • Advised by our experts

     A mortgage expert will support you throughout the whole process, either online or in person.

  • No rush to repay
    Repay your mortgage loan at your own pace, with repayment periods of up to 30 years.

  • Online or in-office mortgage application

     You can carry out all the procedures wherever you want from the comfort of your home or at a branch.

  • Personalised mortgage

     With our mortgage comparator you will discover what mortgage best suits your needs.

  • Advised by our experts

     A mortgage expert will support you throughout the whole process, either online or in person.

  • No rush to repay
    Repay your mortgage loan at your own pace, with repayment periods of up to 30 years.
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We answer your most frequently asked questions

How much can my mortgage cover?
As a general rule, the mortgage can cover up to 80% of the purchase price or the valuation (the lesser of the two) for a first residence. The financing percentages tend to be lower for second homes.

How much should my monthly mortgage expense be?
The maximum total debt-to-income ratio (mortgage, personal loan, etc.) is not recommended to exceed 35%.

What are the discounts and how can they benefit me?
At Banco Sabadell we offer some services (discounts) that help to lower your mortgage interest rate (APR). You can take out one or more, but the more services you take out, the lower your interest rate will be. The services that include discounts are: direct deposit of salary, taking out Life Insurance, Home Insurance and Payment Protection Insurance.

What documentation do I need to submit to apply for my mortgage?
  • Your national identity document (DNI/NIF).
  • Proof of other income, if you have it (rent, commissions, interest on accounts, overtime, etc.).
  • The last 2 bills of your regular payments indicating outstanding balances (mortgages, personal loans, credit cards, alimony and maintenance payments, rent payments, other debts, etc.).
  • Work history. You can request this through the Social Security website or by calling 901 502 050. If you are employed, submit your last income tax return and your last 2 payslips/pension receipts.
  • If you are self-employed, you will need the tax return for the last 2 years and the quarterly income tax and VAT payments for the current year.
  • If you are not a Banco Sabadell customer, we will need a bank statement for the last 6 months from your usual account (pay slips, main bills, etc.).
     

Glossary: NIR, APR and other mortgage-related concepts
  • APR (Annual Percentage Rate)
The total cost of the loan for the borrower, expressed as an annual percentage of the total amount of the loan granted, plus related costs, as appropriate, equivalent, on an annual basis, to the current value of all future and existing commitments, such as drawdowns, repayments and costs, agreed upon by the lender and the borrower.
  • NIR (Nominal Interest Rate)
The amount paid to obtain an amount of money as a loan (or received to lend it) expressed as a percentage of said amount.
  • Euribor
Interest rate applied by European banks when they lend money to each other. It is used as a benchmark figure for part of the interest rate for variable mortgages.
  • Valuation of the property
An expert determines the real value of the home you are going to buy.
  • Registry verification
The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

FIPRE (pre-contractual information sheet)
This is a document with information on how mortgage loans work. It’s given to you before you perform a simulation of the future mortgage.
 

Valuation of the property

An expert determines the real value of the home you are going to buy.

Registry verification

The Land Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

What do I need to know if I want to buy a property in Andalusia?
Find out more through the following documents:  FIPRE/Pre-contractual information Andalusia.

SEPA charges and payments
Find out more at on how to make and receive payments in Europe. 
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Do you have any questions? We're here to help you

Branches and ATMs

 Find a branch or request an appointment

Contact us

 We can help you through these other contact methods

Customer Service

 Log in to file an official claim
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Legal terms and conditions
1. The personalised price included in this assessment is neither binding nor a substitute for the European Standardised Information Sheet (ESIS).
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