Mortgage calculator

• Fixed-rate: constant interest rate throughout the whole loan. 
• Variable-rate: fluctuating interest rate that responds to market conditions such as Euribor, which may lead to changes in monthly payments. 
• Mixed-rate: a combination of fixed and variable, with a fixed rate during an initial period, and a variable rate for the remaining duration of the loan (based on an index such as Euribor and on the bank’s spread).

• 1 holder: the mortgage is assumed by a single person.
• 2 holders: both are responsible for payment, which can increase credit capacity and facilitate approval. 

Usually, banks require a down payment of 10% to 20% of the home’s value, depending on the financing conditions established. 

However, there are exceptions. This is the case for the Crédito Habitação Jovem (Youth Housing Loan Program) with 100% financing, for those who meet the necessary requirements. 

Use the Mortgage calculator to estimate the down payment you would likely have to pay. 

• Competitive rates and a reduced spread when contracting certain products.
• Personalized solutions and free support from our experts.
• Additional benefits, such as discounts on insurance and reimbursement campaigns.

• Up to 40 years for holders under 30 years of age 
• Up to 37 years for holders aged 30 to 35 
• Up to 35 years for holders aged 35 or more. 

With a limit of 75 years of age for holders at the end of the term.

For your first home: 

• Financing starting from €25.000
• Amount up to 85% of the property’s appraised value, and not exceeding 90% of the purchase price 
• If you are aged 18 to 35, we can finance up to 100% of the home’s value. 

For your second home: 

• Financing starting from €25.000 
• Amount up to 80% of the minimum between the property’s appraised value and the purchase price. 

• A Life insurance associated with the Home Loan, which guarantees the payment of the loan in the event of the holder’s death or disability 
• A Multi-risk insurance associated with the Home Loan, which includes protection against fire, floods, storms, earthquakes, water damage and theft or robbery.

At this stage, you do not need to present any documents. The online calculations are merely indicative: they give you an idea of ​​the monthly installment you will probably pay. To make this estimate, the bank's website will ask for information such as: 

• The price of the house you are thinking of buying, as well as the loan term and type of interest you’re considering
• The number of holders and their dates of birth. 

You will then get the results of the simulation: your expected down payment and monthly installment. 

Yes, the Santander Mortgage calculator includes specific conditions for young people: 

• Up to 100% financing of the new home 
• Exemption from paying IMT (Municipal Property Transfer Tax) 
• Exemption from paying Stamp Duty 
• Exemption from paying for the Registration of Purchase and Mortgage.