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imagin mortgages

Get our best conditions thanks to being with imagin
and bringing your salary over.*

Apply for your mortgage easily

Apply for your mortgage from the app and get help from an adviser if you need it.

Discounted mortgage 1



Non-discounted Mortgage 2



100% Online application*

Apply for your mortgage from the app and get help from an advisor if you need it.

I'm interested!

Fixed-rate and no surprises

The same amount each month.

Discounted mortgage

You need to have your salary paid directly into your account.

NIR: 3.40% FIXED
AER: 3.879% 1

Bring your salary over to us
and always pay the same:

€742.91 a month 1

Non-discounted mortgage

Without having your salary paid into your account.

NIR: 4.15% FIXED
AER: 4.643% 2

Without having to bring your salary,
always pay the same:

€804.23 a month 2

Our imaginBank mortgage

Fixed rate

You choose the amount
and term of the loan.

Enjoy a discounted mortgage

Get the imaginBank discounted mortgage by having your salary paid directly into your account, it's that easy!

We will refund
the valuation fee

If you take out an imagin
mortgage, we will refund
the cost of the valuation.

I would like to speak to an adviser

Steps to apply for a mortgage


Find your home

Find out more and look for the property that suits your needs.

View Property Guide


Learn more about our mortgage. We'll contact you!

Fill in our form from the app so that we can give you a personalised calculation.



Once you know which mortgage suits you best, you will need to prepare the necessary documentation:


Valuation and signature

When we approve the study, we will value the property. You must then choose a notary for an interview and schedule a date for signing.

Choose your Autonomous Community

See conditions

Madrid Mortgage

If you are a resident of Madrid and you are aged between 18 and 35...

  • Get up to 90% of the value of the property you want to buy with assistance from the Community of Madrid.

  • Request up to €390,000.

See conditions

Balearic Islands Mortgage

If you are a resident of the Balearic Islands and you are aged between 18 and 35...

  • Get up to 90% of the value of the property you want to buy with assistance from the Institut Balear de l’Habitatge.

  • Request up to €270,150.


A discounted mortgage is, simply put, a discounted interest rate enjoyed by the user when a series of services or associated products are contracted with the banking entity. At Imagin, we require you to have your salary paid directly into your account in order to become eligible for the discounted mortgage.

Your monthly payment should not exceed 40% of your total income.

Once you have sent your mortgage assessment request, we will need you to send us a number of documents to carry out the evaluation. The documentation required will vary depending on your employment situation. As it is a mortgage, you must also provide information on the status of the property.

Salaried employee:

  • Tax ID
  • Proof of income (last 3 payslips, rents, revenue, etc.) and employment contract
  • Your last annual tax return
  • Signed declaration of property or capital gains tax


  • Annual VAT summary (form 390) and statements for this year
  • Annual summary of personal income tax (IRPF) deductions and statements for this year
  • Payment of business tax (IAE)
  • Last three social security payments and the payment of the quota for self-employed workers
  • Annual statement of activities with third parties (form 347)
  • Certificate attesting you are up to date with social security payments
  • Certificate attesting you are up to date with tax obligations

Property documents:

  • Supporting document of the Property Registration
  • Last property tax (IBI) bill for the property to be mortgaged
  • If necessary, certificate demonstrating being up-to-date with homeowners' association fees
  • Property purchase and sale agreement or deposit contract

Once you provide us with all the necessary documentation (personal documents, property and appraisal documents), after assessing your viability, we will be able to give you an answer in a matter of days.

This will depend on the schedule of the notary you choose. You will have to choose the notary to schedule the signing day and to receive advice.

Please note that, by law, once the ESIS (a binding document containing the mortgage conditions) and its annexes have been signed, you will have 10 calendar days, or 14 calendar days in Catalonia, to reflect on and review the mortgage conditions, before signing before a notary.

During the consultation, the notary will issue a certificate of compliance to be signed and this document will state the date from which the contract can be signed. As a minimum, you must complete the reflection period that applies in your case.

Other imagin products


If you care about it, we have a loan for it.


Enjoy the peace of mind of insuring what you care about.


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