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.
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.
What the valuation does
It provides a regulated assessment of the property used as mortgage security. The lender combines it with its affordability assessment.
A high valuation does not guarantee approval
The buyer still has to pass the lender's credit assessment. Property value and borrower solvency are two separate parts of the operation.
Keep the report
If the transaction changes lender, a valid valuation from an approved company may be reusable subject to the applicable requirements.
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.