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.
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.
Identity and household
Prepare identification for every borrower and any information needed to understand who is buying and who will be liable for the loan.
Income and employment
Employees should have recent proof of income and employment. Self-employed applicants usually need broader tax and activity documentation.
Savings, debts and property
Have statements that support the funds for the purchase, details of loans and, when there is a property, the arras contract, property information and valuation if available.
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.