Mortgages

You can use our online mortgage calculator, where you enter the price of the house, the percentage of the loan, the interest rate and the amortization term to get an estimate of your monthly payments.

Generally, requirements include:

• Valid identification: DNI or NIE.
• Proof of income: recent pay slips or tax returns.
• Favorable credit history.
• Sufficient savings: to cover the percentage not financed by the bank and the associated expenses (generally between 20% and 30% of the value of the property).
• Other documents: such as bank statements and proof of other properties or debts.

Yes, we offer mortgages for non-residents wishing to purchase a property in Spain. The requirements are generally similar to those for residents, although additional guarantees may be required and financing can be up to 70% of the value of the property.

Our mortgage experts can advise you to analyze the interest rates, terms and conditions of different entities, helping you to choose the most suitable option for you.

• Initial contact: contact us to discuss your needs.
• Personalized advice: our mortgage experts will evaluate your situation and offer you the best options.
• Submission of documentation: collect and submit the required documents.
• Evaluation and approval: we manage the evaluation of your application and work to obtain approval under the best conditions.
• Formalization: we accompany you in the signing of the contract and throughout the process until the mortgage is obtained.

Yes, we provide mortgage solutions for the acquisition of second homes, adapting the conditions to this type of investment.

Fixed mortgage: the interest rate remains constant throughout the term of the loan, which implies stable monthly payments.

Variable mortgage: the interest rate may fluctuate according to reference indexes, such as the Euribor, which may cause the installments to vary periodically.

The approval process can vary, but generally takes between 2 and 4 weeks, depending on the complexity of the application and the promptness in submitting the required documentation.

Yes, we offer refinancing services to improve the terms of your existing mortgage, either to obtain a lower interest rate, modify the amortization term or consolidate debts.