Do the mortgage numbers before you commit.
Use the calculators to estimate borrowing capacity, savings and buying costs. They are planning tools, not bank approvals.
How much could you finance for a home?
Use this as a first estimate, not a bank approval. Your real financing depends on the full affordability assessment and the property.
How much savings do you need to buy?
Separate the purchase contribution, taxes and costs, valuation and the cash buffer you want to keep after completion.
Estimate the cash you may need beyond the purchase price.
Buying costs and mortgage costs are not the same thing. This calculator gives you a simple planning estimate.
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.