Mortgages for Beginners

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

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.

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.

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.

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.

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.

A valid ID card (DNI) or Foreigners' Identification Number (NIE) in all cases.

If you are employed:

• Employment history report
• Last 3 payslips
• Income tax return / tax withholding certificates

If you are self-employed:

• Employment history report
• Last 3 self-employed payment receipts
• Last 4 quarterly VAT and income tax payments, as well as the annual summary
• Income tax return

Some banks may also request bank statements.

I HAVE NO SAVINGS?

Banks typically provide up to 80% of the financing, meaning you would need to have the remaining 20% plus the associated costs. At aFinance, we can secure full financing for you, including the costs, through various options tailored to your financial profile.

I HAVE A TEMPORARY CONTRACT?

The situation for an employee with a temporary contract varies, and conditions depend on each bank. However, at aFinance, we can offer advice and explore alternative options to secure the desired financing.

I LIVE OUTSIDE OF SPAIN?

Yes, it is possible. However, bear in mind that the terms will differ from those for a Spanish tax resident. Regardless, we will find financing that suits your needs.

IT'S FOR AN INVESTMENT?

Yes. Although the loan amount, term, and interest rate will differ from what you would get for your primary residence, we can still secure favourable terms for you.

I ALREADY HAVE A MORTGAGE?

Yes, it is possible. However, your debt level will need to be taken into account. Nonetheless, at aFinance, we will find a way to assist you.

I'M OVER 75 YEARS OLD?

In general, the age limit is 75 years. However, some banks allow applications up to the age of 80.

We have various agreements with different banks to secure the best possible
financing for you.

SECOND HOMES?

Absolutely! Additionally, we can secure the best market conditions for you, not only in terms of interest rates but also regarding the percentage of financing available.

BANK-OWNED PROPERTIES?

Yes. Moreover, at aFinance, we can assist you with all the procedures involved in purchasing, as this type of transaction often requires additional documentation. Our support ensures greater peace of mind and security throughout the process, helping to avoid any unnecessary delays.

SELF-BUILD PROJECTS?

Yes. Financing for self-build projects is very specific and complex. This type of financing differs from the usual property purchase, where the total amount is financed on the signing day. With self-builds, funds are released progressively as the construction advances, certified by a technician. So, do I have to pay the full mortgage instalment while the house is being built? No, you only pay the interest. Full capital repayment is deferred, allowing greater financial flexibility, for example, if you need to continue paying rent. If you wish to finance the construction of your home, we are here to help you with anything you need.

PREFABRICATED HOUSES?

If we are referring to prefabricated bungalows, the bungalow itself cannot be directly financed as mortgage security. However, more and more prefabricated houses are being built on-site in record time. That's why we offer various financing options tailored to this type of operation.

A mortgage broker is an agency or professional whose job is to secure the best  mortgage deal for their clients through terms that would be impossible to achieve  independently.

A mortgage broker finds and manages the best mortgage for you. They gather  information about your financial situation and needs to help you find the right  mortgage, such as a fixed-rate, mixed, or variable-rate mortgage, and the best bank  for your requirements. These mortgage agents will also provide information on a  wide range of options with various rates and terms. A mortgage broker will help you  find the best deal and inform you about the different types of mortgages. The best  mortgage brokers work with a variety of banks and can offer the best mortgage with  the most favourable conditions.

Working with a mortgage broker offers numerous advantages when applying for a mortgage. A mortgage broker has access to a wider network of financial institutions and can compare different mortgage offers to find the best conditions. In addition, a mortgage broker provides personalized advice, legal support throughout the process, and helps secure more competitive interest rates, making the mortgage process faster and more efficient.

Working with a mortgage broker is especially recommended if you are not familiar with the financial market or if you want to save time during the financing process. A mortgage broker analyzes your financial situation, compares options, and guides you through each step to help you secure a mortgage with optimal financial conditions. Their experience is key to navigating an increasingly complex mortgage market.

Before choosing a mortgage broker, it is important to research and compare. The best mortgage broker is not always the cheapest. Reputation and results achieved with other clients are usually the best indicators of the quality of service a mortgage broker provides.

In some cases, a mortgage broker can negotiate financing above 80% of the property value, even securing 100% mortgages or mortgages covering 100% plus costs, depending on the client’s financial profile. To do this, the mortgage broker analyzes your financial situation and presents your case to the institutions most likely to approve it.

Not all mortgage brokers in Barcelona offer the same level of service. Many limit themselves to presenting one or two financing options, while aFinance mortgage brokers provide comprehensive support throughout the entire buying process. It is advisable to choose a mortgage broker who not only secures the mortgage but also supports you throughout the purchase process and can even assist in negotiating the property.