Rates
Competitive rates for Spanish buy-to-let mortgages
Current mortgage rates
Our rates are competitive and transparent. Choose between fixed or variable rates based on your investment strategy.
| Term (Years) | Up to 50% LTV | Up to 60% LTV | Up to 65% LTV | Up to 70% LTV |
|---|---|---|---|---|
| 1 Year | 3.8% | 4% | 4.2% | 4.5% |
| 3 Years | 4% | 4.2% | 4.4% | 4.7% |
| 5 Years | 4.2% | 4.4% | 4.6% | 4.9% |
| 7 Years | 4.4% | 4.6% | 4.8% | 5.1% |
| 10 Years | 4.7% | 4.9% | 5.1% | 5.4% |
Important information:
- • Rates are indicative and subject to property valuation and credit assessment
- • Variable rates are linked to Euribor and may change during the loan term
- • Lower LTV ratios qualify for more competitive rates
- • No hidden fees or early repayment penalties
- • Rates updated monthly based on market conditions
Fixed vs Variable
Fixed rates provide certainty with consistent payments throughout the term. Variable rates offer flexibility and potentially lower costs but may fluctuate with market conditions.
What is LTV?
Loan-to-Value (LTV) is the ratio of your mortgage to the property value. For example, a 60% LTV on a €300,000 property means a €180,000 loan. Lower LTV equals better rates.
Rate guarantee
Once you receive a binding offer, your rate is locked for 90 days. This protects you from market fluctuations while you finalize your property purchase.
Ready to secure your competitive rate?
Start your application today and receive an indicative offer within 24 hours. Our team will help you find the optimal rate and term for your investment goals.
No obligation, no hidden fees - just transparent financing for your rental property portfolio.