Home Loan

If you're thinking of moving house, in partnership with UCI, we have the right solution for you.

With BBVA and UCI, moving house is simple and free of surprises.

BBVA, in partnership with UCI, offers different solutions so that you can buy your new home with complete peace of mind.

APR 4.526% - Variable rate indexed to 6-month Euribor

5.146% - Mixed Rate (Fixed Rate for 5 years)

5.250% - Mixed Rate (10-year Fixed Rate)

5.580% - 10-year Fixed Rate

  • Personalized assistance throughout the entire process.
  • Bonus on the spread for energy-efficient homes.
  • Opening fee offer (up to €312) for BBVA customers.
  • Fixed, mixed or variable rate.

Sustainable House

Learn more about the guide that will help you make your home more environmentally friendly and save on your electricity bill.

Home Loan

Find out more about the characteristics of home loans.
  • Moving house with BBVA is simple and free of surprises.

    Home Loan

    If you want to move house, leave the surprises behind. Discover the advantages of the home loan solutions that, in partnership with UCI, we have for you:

    • Opening fee offer (up to €312) for BBVA customers.
    • Flexible financing term.
    • Choose fixed, mixed or variable rate.
      • Fixed Rate: Installments are always the same during the agreed period.
      • Mixed Rate: Installments do not change during the fixed rate period, thus protecting against Euribor fluctuations. After the fixed rate period, the loan changes to a variable interest rate, indexed to the 6-month Euribor.   
      • Variable Rate: The payment is constant and revised every six months in accordance with the variation in interest rates.    
    • Personalized follow-up throughout the entire process from your BBVA Advisor and a UCI Advisor.
    • Purchase of Permanent Own Home: up to 90% of the purchase value or appraisal value of the property (the lower of the two), depending on the client's profile and the guarantees presented.
    • Purchase of Housing for Other Purposes: up to 80% of the purchase value or appraisal value of the property (the lower of the two values), depending on the client's profile and the guarantees presented.

Green Solutions

Discover the most natural way to buy a house.
  • Choose the house with the best energy performance and reap the benefits.

    Green Home Loan

    0.1% reduction in the interest rate on mortgage loans for new properties with A+ and A energy certification.

    You can also enjoy the advantages listed above.

Term

Choose the term you want for your Home Loan
    • Fixed Rate - Term of 10 years with a limit of 75 years of age at the end of the loan. 
    • Mixed Rate - Minimum of 7 years and maximum of 35 years according to the selected product, customer profile, and an age limit of 75 years at the end of the loan.
    • Variable Rate - Minimum of 7 years and maximum of 35 years according to the selected product, customer profile, and an age limit of 75 years at the end of the loan.

Interest rate

See the different Interest Rate modalities for your Home Loan.

  • Fixed Rate - Indexed to the Fixed Rate of 10 years, established at the time of contracting the loan and without applying a spread.

    Mixed Rate - Fixed Rate of 5 or 10 years, established at the time of contracting the loan and without applying a spread. After the fixed rate period, indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.

    Variable Rate - Indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions. 

    Due to the evolution of the index, the interest rate applied to the mortgage loan contract may assume negative values under the terms of Law No. 32.2018, of 18 July.

Documents

See the relevant documentation of the Home Loan.

Mortgage Loans from A to Z

  • The Mortgage Loan simulation is a fundamental source of information, allowing you to have the necessary data to make decisions. But how to analyze a simulation? What information should you compare in different simulations to choose the best option? 

     

  • What is the best interest rate option for Mortgage Loans: fixed, mixed, or variable rate?

    Learn more about these options and how to choose the solution that best suits your case.

     

  • When choosing your Mortgage Loan, one of the most important variables that you should take into account is the term, because it will have a strong impact on the financing conditions and on the repayment. Find out what you should consider when deciding the term for your Mortgage Loan.

Information

Decree-Law no. 80-A/2022 of November 25 ceased to be in force on December 31, 2023, with the exception of its article 7, so the exemption from the partial or total early repayment commission in housing loan contracts for the purchase or construction of permanent housing with a variable interest rate remains in force until December 31, 2025.

Due to the evolution of the index, the interest rate applied to the mortgage loan contract may assume negative values under the terms of Law No. 32.2018, of July 18.

The granting of housing credit is the exclusive responsibility of UCI – Unión de Créditos Inmobiliários, SAEFC -Branch in Portugal, lending entity registered with the Bank of Portugal with code 403 as a Credit Institution. BBVA acts as an entity qualified and authorized to provide credit intermediation services and is registered with the Bank of Portugal under code IF 19 and with the CMVM under number 383.

APR of 4.526% - Variable rate indexed to the 6-month Euribor

Example of financing in the Variable Rate Housing Credit product for the total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 360 months corresponding to 360 installments with a unit value of €459.72. Loan indexed to 6-month Euribor (2.050%), in force in July 2025, plus a spread of 1.640%, resulting in a variable TAN (Nominal Annual Rate) of 3.690% rounded to the nearest thousandth. Fee of 0.5% for partial or total early repayment on the principal (stamp duty is added)*. Total amount charged to the consumer of €179,443.46. Total cost of credit €79,443.46. The interest rate applied may assume negative values depending on the evolution of the respective index.

Example of financing for 2 holders aged 30 years. Includes life insurance costs for 2 holders of €227.46 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (includes stamp duty), fee for preparing contractual documentation of €416.00 (includes stamp duty), assessment fee of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (includes VAT), solicitor's service of €389.48 (includes VAT).

APR of 5.146% - Mixed Rate (Fixed Rate for 5 years) 

Example of financing in the Mixed Rate Housing Credit product (Fixed Rate 5 years), for a total amount of €100,000.00, for a purchase value of €130,000.00 and for a term of 360 months corresponding to 60 instalments with a unit value of €494.28 and 300 instalments with a unit value of €464.20. Loan with fixed TAN (Nominal Annual Rate) of 4.290% for the first 5 years effective July 2025. In the following periods, the loan is indexed to the 6-month Euribor (2.050%), in force in July 2025, plus a spread of 1.640%, resulting in a variable TAN (Nominal Annual Rate) of 3.690% rounded to the nearest thousandth. Fee of 2% for partial or total early repayment on the principal during fixed rate periods and 0.5% in variable rate periods (stamp duty is added)*. Total amount charged to the consumer of €192,132.21. Total cost of credit of €92,132.21. The interest rate applied may assume negative values depending on the evolution of the respective index.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €235.62 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).

5.250% APR - Mixed Rate (10-year Fixed Rate) 

Example of financing in the Mixed Rate Housing Credit product (Fixed Rate 10 years), for a total amount of €100,000.00, for a purchase value of €130,000.00 and for a term of 360 months corresponding to 120 instalments with a unit value of €500.17 and 240 instalments with a unit value of €460.39. Loan with fixed TAN (Nominal Annual Rate) of 4.390% for the first 10 years effective July 2025. In the following periods, the loan is indexed to the 6-month Euribor (2.050%), in force in July 2025, plus a spread of 1.390%, resulting in a variable TAN (Annual Nominal Rate) of 3.440% rounded to the nearest thousandth. Fee of 2% for partial or total early repayment on the principal during fixed rate periods and 0.5% in variable rate periods (stamp duty is added)*. Total amount charged to the consumer of €194,291.76. Total cost of credit of €94,291.76. The interest rate applied may assume negative values depending on the evolution of the respective index.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €236.97 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).

APR of 5.580% - 10-year Fixed Rate

Example of financing under the 10-year Fixed Rate Home Loan product, for a total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 120 months corresponding to 120 instalments with a unit value of €1,035.09. Loan with fixed TAN (Nominal Annual Rate) of 4.490% in effect in July 2025. Fee of 2% for partial or total early repayment on the principal (stamp duty is added).* Total amount charged to the consumer of €129,102.11. Total cost of credit €29,102.11.

Example of financing for 2 holders aged 30 years. Includes life insurance costs for 2 holders of €86.53 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (includes stamp duty), fee for preparing contractual documentation of €416.00 (includes stamp duty), assessment fee of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (includes VAT), solicitor's service of €389.48 (includes VAT).

The UCI Home Loan is a mortgage-backed credit agreement. This information does not constitute an offer of financial conditions nor does it exempt the interested party from consulting the complete conditions of the product. Conditions valid for contracts entered into within the scope of the Home Loan scheme. If the loan is granted in foreign currency, the installments may increase due to variations in the applicable exchange rate. APR calculated in accordance with Decree-Law No. 74 A / 2017, of June 23. Information updated on July 1, 2025.

Find out more at UCI – Unión de Créditos Inmobiliários, SA, Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal is a branch of a financial institution with headquarters in the European Union registered with the Bank of Portugal under no. 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, SA, ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL | Banco de Portugal (bportugal.pt)) which acts in compliance with the principles of lawfulness conferred upon it in terms of advertising and consumer information, in particular in Notice no. 5/2024 of the Bank of Portugal, which establishes the duties of information and transparency to be observed by credit institutions and financial companies in the advertising of financial products and services.

Any questions?

Ask us how. We help you make the best decisions.

Contact us

BBVA Helpline

Your bank always on hand

+351 21 391 14 16

(calls to
national landline)

BBVA Customer Support

For those who prefer email

apoio.clientes@bbva.com

Your question will be promptly answered or forwarded.

BBVA Replies

Via the form

BBVA Replies will answer you

For those who prefer not to send an email.

Branch network

Visit us in person

BBVA Branches

Find your nearest BBVA branch.