We finance 100% of your home

A mortgage financed up to 100%
The best mortgage conditions on the market
Economic tranquility
A personal manager who will accompany you throughout the entire process
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DATA PROTECTION

AFINANCE FINANCIAL CONSULTING, S.L. informs Users, in compliance with the provisions of Organic Law 3/2018 of 5 December on the Protection of Personal Data, and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, of the existence of a database in which the personal and/or commercial information appearing in this form will be entered.

By using this Website (www.afinance.es), the Applications, and/or by communicating electronically and similarly with AFINANCE FINANCIAL CONSULTING, S.L. (hereinafter, websites), the User grants their consent to AFINANCE FINANCIAL CONSULTING, S.L. using the information provided for statistical purposes and/or for sharing it with the other licensees of its network solely and exclusively for purposes directly related to the corporate purpose of the company, all in accordance with the privacy policy.

AFINANCE FINANCIAL CONSULTING, S.L. informs Users that they can exercise the rights of access, rectification, limitation of processing, erasure, portability and opposition to processing, which Users have and that they may be exercised before AFINANCE FINANCIAL CONSULTING, S.L. via the following postal address: Paseo de Gracia, 85 Planta 7ª, Barcelona (08008) or via the email: [email protected].

CONDITIONS OF USE

The User of the Website states that the personal data provided through the forms available therein correspond only to the personal data of which it is the owner. Notwithstanding the foregoing, AFINANCE FINANCIAL CONSULTING, S.L. will allow the User to provide data from a third party provided that the User has explicit authorisation from the affected third party and has duly informed the third party of the enquiry, of the procedure that it will carry out with AFINANCE FINANCIAL CONSULTING, S.L. as well as the Privacy Policy. Likewise, the User guarantees to AFINANCE FINANCIAL CONSULTING, S.L. the accuracy, correction, validity and authenticity of the personal data provided.

Therefore, AFINANCE FINANCIAL CONSULTING, S.L. is exempt from liability with respect to any lack of authorisation by third parties, the truthfulness of the information and data provided by the User, with the latter being liable for any damage or harm, whether direct or indirect, that may be caused as a result of the breach of such obligations.

INTRODUCTION

AFINANCE FINANCIAL CONSULTING, S.L. has a firm commitment to the privacy of Users and for this purpose has established procedures to ensure that the data provided are processed responsibly and in accordance with the principles of lawfulness, fairness, transparency, accuracy, integrity and confidentiality, all in compliance with current regulations.

In accordance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council, of 27 April 2016, on the protection of individuals with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC, AFINANCE FINANCIAL CONSULTING, S.L. informs the User

By using this Website (www.afinance.es) the Applications, and/or by communicating electronically and similarly with AFINANCE FINANCIAL CONSULTING, S.L. (hereinafter, websites), the personal data provided by each User may be collected and processed, the processing of which is governed by this Privacy Policy.

It is expressly stated that this Privacy Policy may be amended in accordance with legislative developments. Therefore, we recommend that Users review this page regularly.

DATA CONTROLLER

The data controller of the personal data provided by Users through the Website is AFINANCE FINANCIAL CONSULTING, S.L. with registered office for such purposes at Paseo de Gracia, 85, planta 7ª, Barcelona (08008). Likewise, the User may contact the Data Protection Officer at the following email address: [email protected].

SOURCE OF PERSONAL DATA

AFINANCE FINANCIAL CONSULTING, S.L. will only process the personal data that the User has voluntarily provided.

The Website User states that the personal data provided through the forms available therein or through other means consist only of the personal data of which they are the owner. Notwithstanding the foregoing, AFINANCE FINANCIAL CONSULTING, S.L. will allow the User to provide data from a third party provided that the User has explicit authorisation from the affected third party and has duly informed the third party of the enquiry, of the procedure that it will carry out with AFINANCE FINANCIAL CONSULTING, S.L. as well as this Privacy Policy.

Likewise, the User guarantees to AFINANCE FINANCIAL CONSULTING, S.L. the accuracy, correction, validity and authenticity of the personal data provided and undertakes to keep them duly updated.

PURPOSE OF PROCESSING

The information that may be collected on the websites will be incorporated into the processing systems that are the responsibility of AFINANCE FINANCIAL CONSULTING, S.L., for the purposes of managing and maintaining the relationship with the User with the websites, as well as the information, statistics, and marketing tasks of the services and the activities related thereto. Likewise, AFINANCE FINANCIAL CONSULTING, S.L. will collect your personal data to comply with applicable legal obligations.

LEGITIMACY OF PROCESSING

The data that AFINANCE FINANCIAL CONSULTING, S.L. may request from Users are the following:

Identification data: information relating to an individual that allows him/her to be identified. By way of example, mention first and last names, signature, identification number, place and date of birth, nationality, age, among others.
Contact details: information that makes it possible to keep in touch with the owner. As an example, mention address, email, landline phone, mobile phone, among others.
Economic or financial data: all information concerning an individual relating to goods, rights, charges or obligations that can be economically valued.

The processing of your data may be necessary at times to comply with certain legal obligations, or in relation to any contractual relationship that AFINANCE FINANCIAL CONSULTING, S.L. may have with the User. In other cases, whenever appropriate, AFINANCE FINANCIAL CONSULTING, S.L. will request consent to process personal data or they will be understood to be covered in the legitimate interest of the company.

In this regard, the applicable bases of legitimacy for each of the purposes indicated above are through the consent granted by Users by completing the form and/or checking the corresponding box, or else the execution of the contractual relationship or compliance with a legal obligation.

BUSINESS COMMUNICATIONS

AFINANCE FINANCIAL CONSULTING, S.L., within the framework of its commercial activity, will provide resources to Users for the registration or subscription to news or commercial information related to AFINANCE FINANCIAL CONSULTING, S.L.

You are informed that these resources will always be subject to the User’s prior and express consent to be the recipient of said information. If authorised, all commercial information related to AFINANCE FINANCIAL CONSULTING, S.L. will be provided to the User.

In any case, the User may revoke his/her consent to receive commercial communications at any time by sending his/her request to the following postal address: Paseo de Gracia, 85, planta 7ª, Barcelona (08008) or to the following email address: [email protected].

DATA RETENTION AND DURATION OF PROCESSING

The data provided by completing the form and/or checking the corresponding box or by executing the contractual relationship will be kept for the time strictly necessary to fulfil the purposes established, as well as for compliance with the legal obligations arising from the processing of the data.

The data provided in your subscription to newsletter and news bulletins will be kept for the time necessary to fulfil the purpose of its collection.

In any of the cases, the User may request the erasure of their personal data, and must be warned that AFINANCE FINANCIAL CONSULTING, S.L. will have the right to keep them and hold them for the period necessary to comply with the legal obligations that correspond to it whether they relate to keeping them or making them available to the competent authorities.

RECIPIENTS OF PERSONAL DATA

AFINANCE FINANCIAL CONSULTING, S.L. will not assign personal data to third parties, except in those situations where they may be assigned to other group companies of the AFINANCE GROUP, or other collaborators who provide services of the company and/or the group, in order to manage the provision of the services, the contractual and/or pre-contractual relationship with the interested parties or to process requests made by them.

It should be noted that AFINANCE FINANCIAL CONSULTING, S.L. is firmly committed to ensuring the security of personal data when they are sent to third parties, ensuring that these service providers respect confidentiality and have adequate measures in place to protect personal data in accordance with European data privacy regulations.

Finally, Users are informed that, in accordance with legal requirements, in some cases the competent Authorities may require AFINANCE FINANCIAL CONSULTING, S.L. to disclose the personal data of Users to public bodies or other entities, with AFINANCE FINANCIAL CONSULTING, S.L. undertaking to reveal what is strictly necessary for compliance with said legal obligations.

RIGHTS AVAILABLE TO USERS

AFINANCE FINANCIAL CONSULTING, S.L. informs Users that they can exercise the rights of access, rectification, limitation of processing, erasure, portability and opposition to processing, which they have and which may be exercised vis-a-vis AFINANCE FINANCIAL CONSULTING, S.L. In accordance with Chapter III of the GDPR, they must take into account the following specific details:

Right of Access: This is the right of the user to obtain information about their specific personal data and the processing that has been carried out or is being carried out, as well as the information available on the origin of said data and the communications thereof made or envisaged.
Right of Rectification: This is the right of the data subject to have data that prove to be inaccurate or incomplete amended. This can only be carried out in relation to that information which is under the control of AFINANCE FINANCIAL CONSULTING, S.L., for example, by removing comments published on the page itself, images or web content containing personal data of the User.
Right to Limitation of Processing: This is the right to limit the processing purposes originally envisaged by the data controller.
Right of Erasure: This is the right to erase the user’s personal data, except as established in the GDPR itself or in other applicable regulations that determine the mandatory storage thereof, in a timely manner.
Right of portability: The right to receive the personal data that the User has provided, in a structured, commonly used and machine-readable format, and to transmit them to another data controller.
Right to Object: This is the right of the User to ensure that the processing of their personal data is not carried out or that such processing ceases, by AFINANCE FINANCIAL CONSULTING, S.L.

EXERCISE OF RIGHTS

Users may exercise their rights by writing to us at Paseo de Gracia, 85, planta 7ª, Barcelona (08008) or by email at [email protected].

The interested party must send their request, identifying the right they intend to exercise, attaching a copy of their national ID card or similar identification document. If the request will be made by a third party, it must prove in a timely manner the representative status granted to it for this purpose.

You should be aware that where the controller has reasonable doubts regarding the identity of the individual making the request, he/she may request that additional information necessary to confirm his/her identity be provided.

In any case, Users may use the channels indicated by postal mail to Paseo de Gracia, 85, planta 7ª, Barcelona (08008) or by email to [email protected], to transfer queries or suggestions in relation to the processing of their personal data.

SECURITY AND CONFIDENTIALITY IN THE PROCESSING OF PERSONAL DATA

AFINANCE FINANCIAL CONSULTING, S.L., with the aim of safeguarding the security of Users’ personal data, in accordance with Article 32 of the GDPR, has adopted the necessary technical and organisational measures to prevent the alteration, loss, and unauthorised processing of or access to the personal data provided.

In any case, AFINANCE FINANCIAL CONSULTING, S.L. shall not be liable for any damage or loss resulting from a denial of service attack, virus or any other similar issue that may affect the computer, computer equipment, data or materials of the User as a result of the use of the websites or the downloading of the contents thereof, if applicable, to which they are redirected.

AFINANCE FINANCIAL CONSULTING, S.L. undertakes to process personal data on the basis of the principles of integrity and confidentiality, implementing all measures it deems appropriate and reasonable to process the data with the utmost confidentiality.

COOKIES POLICY

When using this Website, you are informed that cookies are used for the sole purpose of optimising and personalising browsing. In this regard, users are informed that cookies are physical files of information that are housed in the users’ own terminal.

The personal data provided by each User may be collected and processed, the processing of which is governed by this Privacy Policy. Notwithstanding the foregoing, the data collected may be shared with the creators of each of the platforms.

For more information, please refer to the Cookies Policy.

SOCIAL MEDIA

AFINANCE FINANCIAL CONSULTING, S.L. uses social networks such as Facebook or Instagram, to share its content, acting on said networks as controllers of the data that are published, always processing them in accordance with the conditions established in each of the social networks.

It is expressly stated for the record that the data provided by Users may involve the international transfer of data, of an analytical and technical type, in relation to the Page and social media profiles, so AFINANCE FINANCIAL CONSULTING, S.L. recommends that all Users read the terms of use and privacy policy of each of the platforms.

Experts in mortgage management

aFinance is a leading mortgage broker, leader in the management and negotiation of mortgage loans.

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We negotiate for you

We work with all the banking institutions to get the lowest interest rate in the market for your mortgage.

Our clients' opinions

Anna González

Gracias a Joan Domingo hemos podido firmar una hipoteca la cual llevávamos tiempo intentándolo. Nos ha ayudado en todas nuestras dudas y no eran pocas. Se encargó él de todo el papeleo y de buscar la que más encajara a nuestras posibilidades. Solo tengo palabras de agradecimiento. Recomendable 100%. Y una vez más... Mil gracias Joan.

Johanna Vallés

Excelente atención. En nuestro caso nos asesoró Manel, su gestión fue muy ágil y eficaz. Nos respondía todas las preguntas de forma clara y durante toda la transacción estuvo pendiente de si entendimos todo y disponible en todo momento.

Excellent review from our users

Frequently asked questions

Can I get 100% financed?

Yes, at aFinance we can get up to 100% financing on your mortgage as long as you meet some requirements. Our professional team will study all the options for free and will offer you the one that best suits you.

Why choose aFinance?

We have more than 15 years of experience in the mortgage industry and we get the most difficult mortgages. We carry out free mortgage studies in 24-48 hours, personalized and without any commitment. Our managers will negotiate the best market conditions for you with the banks until you get the interest rate that best suits your needs. Save time, money, paperwork and headaches with aFinance.

What is a mortgage broker?

A mortgage broker is a professional or a company that is in charge of finding the best mortgage for its clients. aFinance is a leading mortgage broker with more than 15 years of experience. We negotiate for our clients with more than 20 banks until we achieve the lowest interest in the market, closing the most difficult mortgage operations with great success. Our mortgage managers are in charge of carrying out all the necessary steps to formalize the mortgage, accompanying the client until the signature.

How is the proccess?

Easy and simple: at all times you will have the accompaniment of our professional team.

At aFinance we summarize it in 4 simple steps: application, approval, processing and signature. We carry out all the necessary steps to formalize your mortgage for free, we only win if we get the best conditions for you and you sign with us.

How much?

We carry out the study of your mortgage in a free and personalized way. You will only pay our fees if we manage to offer you the best market conditions and if you end up signing with us.

Is it possible to apply for a mortgage without direct deposit of payroll?

Yes, we can help you get a mortgage without direct deposit of your payroll. With our experience in the sector we can even get up to 100% financing of the purchase price of the home. Contact us and a specialized manager will study your case in a personalized and free way.

Can I request a mortgage without entry?

Yes, you can, although the normal thing today is that banks ask for a minimum of 20% of the value of the purchase of the property as input to apply for a mortgage loan. If we do not have that amount, at aFinance we have all the experience and resources to be able to study the case in a personalized and free way in order to obtain the maximum financing for your mortgage.

Can I apply for a mortgage without savings?

Yes, it is possible to apply for a mortgage without savings, although a preliminary study of the owners profiles must be carried out. Contact us and our mortgage advisers will find the mortgage that best suits your needs.

Mortgages 100% + Expenses

Since the crisis broke out, both Banks and Savings Banks have become much more prudent when it comes to granting their clients mortgage loans. During the boom times when the real estate bubble broke out, the vast majority of financial institutions offered 100% of the appraisal value of the home to be mortgaged and on some occasions even more, financing the purchase expenses, but currently the usual is that customers contribute at least 20% of their value from their savings.

Despite this, in recent months and due to the reduction in the cost of financing, we can find entities that offer us up to 100% of the price of the home, and not only in properties from their own real estate market, but also through customers who request it. At the moment it is not a very widespread practice, but there are already mortgages with a high loan/value ratio of the property on the market.

In general, today the offer is quite scarce, although it is expected that the offers will increase, due to the great competition that exists between financial institutions since, since they cannot differentiate themselves by offering a lower interest rate, they must opt for offer a higher percentage of the value of the property when granting the loan for financing.

There are other options when taking out a mortgage, although we would have to choose between those that are currently on the market, fixed, variable or mixed, and among them there are many whose conditions are excellent but with excessive links, and which only They end up financing 80%, which is the most common when we talk about mortgage loans.

Mortgages for public workers

Being a career civil servant is the ideal client for banks when it comes to getting a mortgage loan and will allow you to obtain the best possible mortgage conditions, at least if you go to financial institutions that have special agreements for this type of public administration worker.

The stability offered by these employees is a factor that makes banks study the borrowing operation. They may obtain the following conditions:

Lower differentials: variable rate mortgages for civil servants have lower differentials, so the final interest will be lower.
Less connection: minimal connection, for example, only taking out insurance and direct debiting the payroll. The same bank entity could request up to 5 products from a worker who is not an official.
Greater financing: the bank will be more open to making a 100% mortgage due to the greater guarantee of payment.

Of course you must be a civil servant without previous personal debts, with significant savings, the possibility of guarantors and the house you want does not mean that the mortgage payment exceeds 30-35% of the net income of those you buy.

We recommend comparing all the offers provided to be sure that you are getting the best mortgage for public workers. To do this, you can contact a financial intermediary who can advise you in the broad credit market.