Your mortgage in Spain, explained clearly.
Hipoteca Real helps residents in Spain understand financing before they commit to a property. We review income, savings, debts and the purchase price, then explain the next steps in plain language.
Why doing the numbers first matters
A mortgage is not only about finding a low interest rate. The purchase has to work as a whole: upfront cash, monthly payment, existing debt and enough liquidity after completion. The earlier those numbers are clear, the easier it is to avoid signing a reservation or deposit contract based on an assumption.
Before you choose a bank
Start by deciding what purchase price fits your income and savings. That gives you a much stronger position when you start viewing homes or negotiating an offer.
A mortgage is more than a monthly payment
You also need the cash contribution, purchase costs, a valuation and enough liquidity to avoid finishing the purchase with no buffer.
When there is a real property
We can move from a general estimate to the actual operation: price, deposit contract, documentation, valuation and the financing required.
What you can expect from Hipoteca Real
We carry out an initial mortgage study, organise the information needed for the case and, where the operation fits the solutions we can handle, accompany the process through documentation, prescoring, presentation to the lender and the steps before signing. Hipoteca Real does not grant or approve credit.
No fees for you. You do not pay Hipoteca Real a client fee. When a mortgage is formalised through a lender we work with, our remuneration comes from that financial institution.
Common questions
Do I need to have chosen a property?
No. We can start with a price range and your financial situation, then update the study when you have a specific property.
Can I do everything remotely?
Yes. The service is available online and by phone throughout Spain.
Does the study guarantee approval?
No. The lender makes the final lending decision after its own affordability and risk assessment.
Do you charge the buyer a fee?
No. Hipoteca Real does not charge the client fees for the study or for the transactions we handle.