Practical guides for buying and financing a home in Spain.
Arras, valuation and documentation are easier to manage when you understand them before the transaction reaches the final stages.
Mortgage documents: prepare the file before the bank asks.
A clean file helps everyone understand the case faster. Organise identity, income, savings, debt and property documents in separate blocks.
Property valuation: what it means for your mortgage.
The valuation measures the property used as security. It does not replace the bank's assessment of your ability to repay.
Signing a deposit contract in Spain? Check the financing first.
A Spanish deposit contract can put a meaningful amount of money at risk. If the purchase depends on financing, review that before signing.
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.
1. Start with the household
We review net income, employment or professional situation and how stable those income streams are.
2. Put savings in context
We separate the amount available for the purchase from the cash buffer you want to keep afterwards.
3. Add existing commitments
Loans, cards, other mortgages and regular financial commitments affect how much room a new payment has.
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.