Financing a second home without losing sight of the first.
A second-home mortgage is assessed together with the commitments you already have. Your existing mortgage, other loans, savings and the new property all matter.
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.
Your first home does not disappear from the analysis
Existing mortgage debt, maintenance costs and other commitments still form part of the affordability picture.
Protect liquidity
Using all available savings to increase the deposit may lower the new mortgage, but it can leave too little buffer for two properties.
Be clear about purpose
A second home for personal use and an investment property are not the same objective. The way you plan costs and risk should reflect that.
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.