Tell us your numbers. We study the mortgage with you.
You do not need a bank offer to start. Share your household income, savings, debts and approximate purchase price and we will carry out an initial review.
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 we need to start
Net household income, savings, existing monthly debt and an approximate property price. If you already have a property, add the location and whether you have signed anything.
What the first review gives you
A structured view of the purchase: how much financing you are asking for, what cash the transaction may require and which parts deserve attention before presenting it.
What happens next
If the case fits the transactions we can handle, we tell you what documentation is needed and how the process continues. If it does not, we explain that clearly.
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.
Tell us about your purchase
A few figures are enough to start. We will use them to understand the case and decide the next step.
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.