Question 1

Which type of mortgage is best for me: fixed, mixed, or variable?

Accepted Answer

It depends on your financial profile, medium- to long-term plans, and risk tolerance. Fixed-rate mortgages offer stability in monthly payments but may have different fees for partial or full early repayment.
On the other hand, variable-rate mortgages usually start with lower interest rates but carry more long-term uncertainty. Mixed mortgages combine both.
As economists specialized in the sector, we help you choose the best option for your situation. There isn’t a single “best” choice—only a careful analysis of the features of each type.

Question 2

Can I get a mortgage without savings?

Accepted Answer

Yes, it is possible to access a 100% financed mortgage if you meet certain requirements, such as stable employment or if the property’s appraisal value is higher than the purchase price. Having a guarantor can also help. Check out our 100% mortgages or contact us for more information.

Question 3

What are TIN and APR in a mortgage?

Accepted Answer

The TIN (Nominal Interest Rate) is the percentage the bank charges you for lending the money, excluding commissions or fees. It is the "pure" interest rate. The APR (Annual Percentage Rate), on the other hand, reflects the real total cost of the mortgage, as it includes the TIN plus all associated costs (commissions, mandatory insurance, etc.) and adjusts it to an annual calculation. For this reason, the APR is the most useful indicator for comparing mortgages between different banks, as it shows the total cost you will actually pay each year.

Question 4

What documentation do I need to apply for a mortgage?

Accepted Answer

Generally, the required documents include: ID, employment contract, recent payslips, work history, tax return, and bank statements. We guide you step by step to ensure you have everything, and we even provide URLs so you know where to obtain each document.

Question 5

How long does the mortgage process take?

Accepted Answer

From the start of the assessment to signing at the notary, the process can take between 3 and 6 weeks, depending on the bank, how quickly the documentation is provided, and the speed of the property appraisal.

Question 6

Do you charge for mortgage brokerage services?

Accepted Answer

We only charge if we secure a viable offer and you decide to proceed. Our fees are among the most competitive in the market.
We always provide transparent information from the very beginning about our fees and payment model.

Question 7

Can working with a mortgage broker benefit me?

Accepted Answer

Yes, we work with different banks to find the best mortgage based on your profile, negotiating terms and guiding you throughout the entire process. Save time, reduce paperwork, and improve your financing options—whether by lowering the interest rate, enhancing insurance coverage, or even removing it altogether.

Question 8

What is the FEIN and what does signing it imply?

Accepted Answer

The FEIN (European Standardised Information Sheet) is the document the bank provides with the final mortgage terms before signing. It does not create any obligation until you sign at the notary, but it does start the legal reflection period (minimum 10 days) during which the bank is required to honor and maintain those conditions.

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