imaginBank mixed mortgage

Combine fixed rate and variable rate
with our mixed mortgage.*

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Mixed and simple

Discounted Mixed Mortgage 1

First 5 years NIR 2.75 %.
Remaining years Euribor
at 1 year +0.75 %.

Variable APR 4.454 %.

Non-discounted Mixed Mortgage 2

First 5 years NIR 3.50 %.
Remaining years Euribor
at 1 year +1.50 %.

Variable APR 4.972 %.

100% Online application*

Apply for your mortgage via the app
and an adviser will help you
during the process.

I'm interested!

Fixed rate for 5 years,
then variable rate

Discounted mixed mortgage 1

You need to direct deposit your salary and take out our Home Insurance and Life Insurance .

First 5 years:

691.97 €/month
NIR: 2.75 %

Remaining years:

802.02 €/month
Euribor at 1 year + 0.75 %

Variable APR: 4,454 %

For €150,000 over 25 years.

Non-discounted mixed mortgage 2

Without direct depositing your salary or taking out our Home Insurance and Life Insurance.

First 5 years:

750.94 €/month
NIR: 3.50 %

Remaining years:

866.79 €/month
Euribor at 1 year + 1.50 %

Variable APR: 4.972 %

For €150,000 over 25 years.

Our imaginBank mortgages

Fixed and variable rate

Fixed rate for the first 5 years and variable rate for the remaining years.

Enjoy a discounted mortgage

Get the discounted mortgage by direct depositing your salary and taking out our Home Insurance and Life Insurance. 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.

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Steps to apply for a mortgage


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.


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 only require you to direct deposit your salary and/or take out our Home Insurance and Life Insurance to get 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.

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