BBVA Mortgages
We aim to minimize processing times and make the mortgage process straightforward.
Insurance covers the rebuild value of your property, not just the remaining mortgage balance.
We offer accident and health insurance options to protect your loved ones.
Explore our complete mortgage guide, designed to answer common questions and walk you through the 6 essential steps to getting a BBVA mortgage.
Ideal for buyers who want a predictable monthly payment without surprises. Up to 80% of the property value for a first home purchase. Up to 70% of the property value for a second home purchase. Minimum term: 120 months. Maximum term: 360 months.
Perfect for buyers seeking flexibility with an interest rate that adjusts according to market trends.
Up to 80% of the property value for a first home purchase.
Up to 70% of the property value for a second home purchase.
Minimum term: 120 months.
Maximum term: 360 months.
Open a BBVA account, set up your mortgage payments, and we’ll refund the stamp duty for one year.
Earn 3% gross interest on your €0 BBVA Account balance indefinitely.
Take advantage of additional earnings through our Cashback, Word of Mouth, and Buy & Win promotions.
Individuals aged 18 to 65 residing in Italy can apply, whether the property is intended as a first or second home.
No, being a BBVA customer is not required. You can choose to open a BBVA account or debit your payments from an existing account at another bank. If you use a BBVA account, you’ll receive a refund for one year of current account stamp duty.
Typical documentation may include: personal identification, proof of income (pay slips, tax returns), financial records (bank statements, property deeds), and property-related documents (floor plans, certificates of conformity). The bank may request additional documents to complete the credit assessment. Click here for a full list of required documents.
APR discount for the life of the loan if all required documents are submitted within 7 business days of receiving the bank’s instructions.
No appraisal fees for A or B class properties with a valid Energy Performance Certificate (EPC).
Refund of one year’s stamp duty when mortgage payments are made through a BBVA current account.
Yes, you can make partial or full early repayments with at least 30 days’ notice without penalties, fees, or extra charges. Paying off the mortgage in full ends the contractual relationship by settling the remaining principal before the mortgage term ends.
BBVA Mortgage and Current Account Terms
For full contractual terms and conditions of BBVA mortgages, please refer to the General Information on Consumer Real Estate Credit available on our website under the “Transparency” section. Detailed information on the BBVA Current Account, additional services, and promotions can be found in the Information Sheets and terms and conditions available in the same section. Mortgage loans are secured by a lien on the property and are always subject to the Bank’s approval.
Insurance Policies
The insurance plans mentioned here are provided by Quixa Assicurazioni SpA (Home & Family policy, Building Fire coverage) and AXA France VIE SA – General Representative for Italy (AXA Partners Italia Mutuo Sicuro Infortuni e Malattia policy; AXA Partners Italia Mutuo Sicuro Infortuni policy), and distributed by BBVA Mediación, Operador de Banca Seguros Vinculado, SA in collaboration with Innofin SIM SpA.
Current Account Interest Offer
The current account interest promotion is valid for all new BBVA account holders who sign up by July 30, 2025, even if no BBVA Mortgage is taken out. The account offer itself is valid for sign-ups until September 30, 2025.
Interest is calculated annually on balances up to €1,000,000 with no minimum balance. It accrues daily on the account balance and is paid monthly, during the first business days of the following month, net of any applicable tax, via direct deposit.
For the first six months after account opening, the gross interest rate is 3%. After this period and until December 31, 2027 (subject to extension by the Bank), the gross interest rate will be equal, quarterly, to 25% of the ECB “Deposit Facility” rate, calculated on the day before the start of each quarter. The ECB deposit rate can be checked at www.ecb.europa.eu
. The Bank will notify customers of the applicable quarterly rate at the beginning of each quarter.
Cashback Promotion
Earn cashback on the first €280 of purchases each month for the first six months following your first debit card transaction, when opening a BBVA Account by September 30, 2025.
