Compare mortgages in Spain

Ranking 2026

Updated: 2026-08-12 · Services and tariffs

← All rankings

Quick answer: ING and Openbank lead on mortgages without bundled products; Santander and BBVA offer payroll-linked bonuses. We compare 9 lenders.

  1. Santander

    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
    Visit →

  2. BBVA

    Digital banking leader with online mortgage simulator and signup.

    ✓ Pros
    • Smooth digital signup
    • Excellent mortgage app
    ✗ Cons
    • Complex bonus rules
    • Slow rural valuations
    Visit →

  3. CaixaBank

    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
    Visit →

  4. Sabadell

    Catalan bank with competitive mortgages in Catalonia and Mediterranean coast.

    ✓ Pros
    • Good terms in Catalonia
    • Personal advice
    ✗ Cons
    • Less competitive elsewhere
    • Bureaucratic process
    Visit →

  5. ING

    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
    Visit →

  6. Openbank

    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
    Visit →

  7. Kutxabank

    Basque bank with competitive mortgages in northern Spain.

    ✓ Pros
    • Excellent in Basque Country
    • Personalised service
    ✗ Cons
    • Limited outside north
    • Slow digitalisation
    Visit →

  8. Bankinter

    Spanish bank with highly competitive fixed-rate mortgages.

    ✓ Pros
    • Top fixed-rate deals
    • Free payroll account
    ✗ Cons
    • Strict payroll rules
    • Small branch network
    Visit →

  9. Evo Banco

    Bankinter digital bank with unbundled mortgages.

    ✓ Pros
    • No bundled products
    • Agile digital process
    ✗ Cons
    • Less known brand
    • Limited mortgage range
    Visit →

External third-party links. Compara10 may use UTM tracking; always verify terms on the destination site.

Other rankings

Price comparisonsCompare online IQ testsPrice comparisonsCompare personality tests onlineInsurance comparisonsCompare insurance in SpainTech and mobilesCompare mobile operators in SpainDeals and offersCompare deals and offers sites

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.

How often is this ranking updated?

At least once a year or when market or service conditions change materially.

Can I suggest a new site?

Send editorial suggestions; we assess usefulness, transparency and safety before inclusion.