TOP 10
Top 10 best mortgages in Spain
Ranking 2026
The ranking
Santander
10/10
Spain's largest bank with fixed, variable and mixed mortgages.
✓ Pros- Payroll client deals
- Wide branch network
- Competitive young mortgage
✗ Cons- Bundled products
- Opening fee common
BBVA
9/10
Digital banking leader with online mortgage simulator and signup.
✓ Pros- Smooth digital signup
- Excellent mortgage app
✗ Cons- Complex bonus rules
- Slow rural valuations
CaixaBank
8/10
Spain's largest bank by assets with mortgages for primary homes.
✓ Pros- Large branch network
- Young homebuyer programme
✗ Cons- Less transparent terms
- Expensive bundled insurance
Sabadell
7/10
Catalan bank with competitive mortgages in Catalonia and Mediterranean coast.
✓ Pros- Good terms in Catalonia
- Personal advice
✗ Cons- Less competitive elsewhere
- Bureaucratic process
ING
6/10
Online bank known for mortgages without bundled products or hidden fees.
✓ Pros- No bundled products
- Full APR transparency
- Clear online simulator
✗ Cons- Online only
- Initial rate not always lowest
Openbank
5/10
Santander's fully digital bank with no opening fee.
✓ Pros- No opening fee
- Fully digital
- Santander-backed
✗ Cons- Phone/chat support only
- Limited product range
Kutxabank
4/10
Basque bank with competitive mortgages in northern Spain.
✓ Pros- Excellent in Basque Country
- Personalised service
✗ Cons- Limited outside north
- Slow digitalisation
Bankinter
3/10
Spanish bank with highly competitive fixed-rate mortgages.
✓ Pros- Top fixed-rate deals
- Free payroll account
✗ Cons- Strict payroll rules
- Small branch network
Evo Banco
2/10
Bankinter digital bank with unbundled mortgages.
✓ Pros- No bundled products
- Agile digital process
✗ Cons- Less known brand
- Limited mortgage range
External third-party links. Compara10 may use UTM tracking; always verify terms on the destination site.
Finance criteria
Published fees, Spain-available products, online banking UX, support and transparency.
FAQ
How do we pick sites for the ranking?
We assess usability, free or fair pricing, report or service quality and recent user feedback. Order reflects general usefulness, not paid placement.
Are these affiliate links?
Some links include UTM parameters to measure traffic. Compara10 does not charge users; always verify terms on the destination site.
How often is this updated?
We review rankings at least once a year or when market conditions change materially.