The current program, branded as Mortgage for People with a Head, presents a straightforward and transparent lineup of home loan products. Customers can choose among fixed, variable, or mixed rate options, selecting the one that aligns with their needs and preferences. The program introduces Easy Mortgage, which requires only automatic payroll payments from the owner; Mortgage Let’s Go, which rewards loyalty by allowing a higher interest rate adjustment based on continued patronage; and Secure Mortgage, which recognizes loyalty through higher balances held in Ibercaja mutual funds. Each option is designed to offer clear terms and predictable costs while catering to different financial situations.
Loan terms are calculated based on the requested amount and the repayment period, with data that can extend up to 30 years. The institution asserts that its fixed, variable, and mixed offers are among the most competitive in the financial sector. The rebate system is tailored to the buyer’s circumstances, enabling scenarios such as a competitive price of Euribor plus 0.75 percent for a variable-rate loan, accompanied by a nominal annual interest rate of 0.99 percent in the first year. All conditions depend on credit criteria, and certain exclusions may apply as part of the lending decision.
The process covers notary, administration, and registration costs, and it waives opening and cancellation fees. This approach is intended to ensure clients can access the mortgage that best fits their needs and remains affordable over the life of the loan. Additionally, the bank provides special terms for young buyers, including access to up to 95 percent financing of the first home and a 0.15 percent discount on the interest rate. This combination aims to support first-time buyers in acquiring housing with favorable, long-term conditions.
More than a quarter of the total mortgage volume formalized by the bank in the first half of the year was completed through remote channels. This outcome reflects improvements in the contract process and a relationship model built on high-quality human support. The service is available through a digital management platform and in a hybrid format that allows in-person visits at branches if the customer prefers. In this way, customers benefit from a broad program that provides assistance from 8 a.m. to 10 p.m. every day of the year, helping to resolve doubts and guide them through the commitment process.
Additionally, the institution offers an online mortgage simulator that enables users to calculate payments and access related interest information in less than a minute. This tool supports informed decision-making by presenting clear estimates and scenarios, helping potential buyers compare options across the available products and understand how changes in rates or loan terms affect monthly obligations. The combination of flexible rate choices, loyalty-based incentives, reduced fees, and accessible digital tools positions the program as a practical option for individuals seeking a transparent and customer-centric mortgage experience. The emphasis on clear pricing, straightforward conditions, and continuous support reflects a commitment to helping clients secure housing under terms that fit their financial plans and life goals.