Updated September 30, 2026 · BorrowCue Editorial Team

Top mortgages compared in Spain

196 lenders available in Spain, ranked for Spain.

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Top mortgages compared in Spain
#	Lender	Score	Features	Key facts	Actions
1	SofkreditTop pick	8.6/10	Same day funding	Initial rate: 8% to 14% APRC: 10.74% to 18.06% Fixed period: 0.5 to 20 years	Review Compare Visit
2	Creduma ES Free financial case study (estudio gratuito): 0 EUR, no upfront payment	8.7/10		Product fee: €0 Purpose: Remortgage, Home-equity Lender type: Broker	Review Compare Visit
3	Creditilia ES	8.7/10	Fixed rate Same day funding	Initial rate: 4% APRC: 4.12% Fixed period: 5 years	Review Compare Visit
4	Prestalo	8.8/10	Fixed rate Same day funding	Initial rate: 2.36% APRC: 2.97% Fixed period: 25 years	Review Compare Visit
5	BBVA	9.4/10	Fixed rate	Lender type: Direct lender Legal entity: Banco Bilbao Vizcaya Argentaria S.A. Headquarters: Spain	Review Compare Visit
6	Avant Money 1% cashback incentive on new or top-up One Mortgages (mortgage product): 1% cashback, e.g. borrow EUR 400,000 and receive EUR 4,000	9.3/10	Fixed rate	Initial rate: 3.2% APRC: 3.62% Fixed period: 4 years	Review Compare See alternatives
7	Upstart Mortgage Home Equity Line of Credit	9.3/10		Initial rate: 6.52% to 18% APRC: 6.52% to 18% Product fee: $0	Review Compare See alternatives
8	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	Initial rate: 6% APRC: 6.27% Fixed period: 3 years	Review Compare See alternatives
9	CHECK24 Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback	9.1/10	Fixed rate Same day funding	Initial rate: 3.43% APRC: 3.5% Fixed period: 10 years	Review Compare See alternatives
10	EZLendr	8.9/10	Fixed rate	Initial rate: 7.03% Fixed period: 30 years Purpose: Purchase, Remortgage, Home-equity	Review Compare See alternatives

Licensed in Spain

Sofkredit: Banco de Espana
Prestalo: Registro Estatal de Intermediarios Financieros
BBVA: Comision Nacional del Mercado de Valores (CNMV)
Avant Money: Banco de España
Rastreator: Direccion General de Seguros y Fondos de Pensiones (DGSFP)
Rastreator: Banco de Espana
Self Bank (Selfbank by Singular Bank): Banco de Espana
Self Bank (Selfbank by Singular Bank): Comision Nacional del Mercado de Valores (CNMV)
Self Bank (Selfbank by Singular Bank): Direccion General de Seguros y Planes de Pensiones (linked insurance banking operator)
BBVA Peru: Comision Nacional del Mercado de Valores (CNMV)
Openbank: Banco de Espana
Openbank: Fondo de Garantia de Depositos de Entidades de Credito Espanol
Redsys/Imagin (Imagin Bank): Banco de España
UCI Consultores: Banco de España
UCI Consultores: Dirección General de Seguros y Fondos de Pensiones

Top mortgages compared in Spain

Licensed in Spain

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Top mortgages compared in Spain

Licensed in Spain

Browse by category

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