Your mortgage 100% online
aFinance provides you the best conditions for the purchase of your home
We get you the maximum financing for the acquisition of your home.
We negotiate with the banks the best market conditions.
Free study in 24 hours, without obligation.
A personal manager accompanies you throughout the process.
We negotiate for you
Experts in mortgage management
Our clients' opinions
Had a great experience with Stefania helping us all the way through this, always available and responsive to my many questions and paranoias. We did a remortgage plus an amount for reformas which is tricky operation in spain. It took some time to achieve but we were able to make multiple applications and so select the best from the good, the bad and the ugly. Finally we found what we were looking for and were able to complete the project with a bank that we feel confident with. The broker fee seemed expensive at first but I feel it was worth it in the end as Stefania served as an alli and was able to put pressure on the bank at certain critical moments when it was needed all the way until the end.
Finally, we got it!!! After a long wait, the day has finally arrived, and all thanks to MARINA!!! She has guided us every step of the way, answered all our doubts at all times, undoubtedly a great professional. She has achieved what we wanted: to have our own home. A 10 out of 10 and 100% recommendable.
Muy agradecido a mi analista Ginés que desde el primer día me trasmitió confianza y sobre todo mucho interés porque la operación se adaptara a mis necesidades .totalmente recomendable, te consiguen algo que ni tu banco te puede dar.volvería a contar con ellos en un futuro.
Frequently asked questions
What is a mortgage and what is its function?
A mortgage is a loan to buy a home, which is repaid in monthly installments with interest.
At aFinance, we compare and negotiate with banks to get you the best conditions according to your profile.
What types of mortgages exist and which one suits me?
Fixed-rate mortgage: the interest rate remains fixed throughout the life of the loan. It is ideal if you prioritize stability and predictability.
• Variable-rate mortgage: the rate varies according to the Euribor, so the payment may rise or fall over time. It is riskier but can be advantageous in low-rate scenarios.
• Mixed mortgage: combines both formulas — an initial fixed period and a later variable one — offering a balance between security and flexibility.
The choice depends on your financial outlook and risk tolerance. At aFinance, we carry out personalized simulations to help you make an informed decision.
You may be interested in: Fixed or variable mortgage: which to choose in 2025.
How much can I finance with a mortgage?
In general, banks grant up to 80% of the purchase or appraisal value, whichever is lower.
However, there are operations that reach 100% financing.
At aFinance, we analyze your case to determine the maximum percentage you can access and negotiate with the entities on your behalf.
More information: 100% Mortgage: how to get your home without savings.
What documentation must I submit to apply for a mortgage?
Normally, the following is required:
• Identity document (DNI or NIE).
• Latest payslips and income tax return (for employees).
• Quarterly declarations and IRPF (for self-employed).
• Bank statements, employment history, and deposit or purchase agreement.
Our team reviews all the documentation beforehand to ensure that your file reaches the entity complete and optimized.
What factors determine the approval of a mortgage?
Banks evaluate income stability, debt level, job seniority, credit history, and the type of property.
The key is to present a solid and consistent profile. Our team prepares your application so that every detail works in your favor and increases your chances of approval.
How long does the process take from application to signing?
The average period is between 30 and 60 days, depending on the bank’s efficiency and the availability of documentation.
Thanks to our direct management with the banks’ mortgage departments, we can significantly reduce the usual processing time.
What expenses are involved in buying a home with a mortgage?
Although most loan formalization expenses (notary, agency, registry, and AJD tax) are now covered by the bank, the buyer must assume:
• Property appraisal.
• Purchase taxes (VAT or ITP, depending on the case).
• Brokerage fees.
At aFinance, we provide you with a complete and transparent estimate of all costs before starting the process.
Can I apply for a mortgage without savings?
Yes. There are 100% financing options, even partially covering expenses, when the financial profile allows it.
aFinance has agreements with entities specialized in this type of mortgage, especially designed for first-time buyers with good repayment capacity.
Can I get a mortgage with a temporary contract or as a self-employed worker?
Yes, although the risk analysis is more thorough.
Banks no longer limit themselves to the type of contract; they also assess professional track record, income stability, and savings capacity.
For self-employed individuals, recurring turnover and business solidity are taken into account.
Our team translates this data into a convincing bank proposal.
What is the FEIN and why is it important?
The European Standardized Information Sheet (FEIN) is a document that details and binds the mortgage terms: amount, term, interest rate, fees, and expenses.
It is the legal reference on which the loan is signed, so it must be reviewed carefully.
At aFinance, we help you interpret it and identify any clause that could affect your operation.
What is the difference between a mortgage and a personal loan?
A mortgage is backed by real estate and usually offers lower interest rates and longer terms.
A personal loan, on the other hand, has no real guarantee, which means higher interest and shorter terms.
Who actually lends the money?
Financing always comes from a banking entity.
aFinance acts as a mortgage broker regulated by the Bank of Spain, meaning we analyze the market, compare conditions, and negotiate on your behalf to get the best options.
What are the advantages of working with a mortgage broker like aFinance?
The main advantage is direct and simultaneous access to multiple financial institutions and preferential offers, which broadens your possibilities and improves your conditions.
In addition, we handle all the paperwork, avoid errors, and accompany you through to the signing before a notary.
Our service combines technical expertise, transparency, and negotiation power.
Can I improve the conditions of my current mortgage?
Yes. Through a mortgage subrogation you can transfer your loan to another bank offering better conditions — or renegotiate with your current bank.
In both cases, we analyze the potential savings and advise you on the feasibility of the operation.
What happens if I cannot make a payment?
In case of financial difficulty, it is essential to act early.
There are alternatives such as temporary capital relief, term extensions, or debt consolidation.
At aFinance, we guide you towards the most suitable solution to maintain your financial stability.
What is the maximum age to apply for a mortgage?
It depends on each bank’s policy, but generally, the borrower’s age plus the loan term cannot exceed 75 years.
However, some banks allow operations reaching up to 80 years at maturity.
Can I deduct the mortgage in my income tax return?
Only mortgages formalized before January 1, 2013, maintain the state deduction for the purchase of a primary residence.
In other cases, there may be regional tax incentives or deductions for housing investment.
We recommend reviewing each case with a tax advisor.
Can I apply for a mortgage as a foreigner or non-resident?
Yes. Spanish banks offer specific products for non-residents, with conditions adapted to their profile and country of residence.
At aFinance, we manage these operations with banks that have specialized international departments.
What happens if I want to sell a mortgaged property?
It is possible to sell a property with an active mortgage.
The usual procedure is to cancel the loan with the sale amount or to transfer it to the buyer if the bank authorizes it.
aFinance assists you in coordinating the process to ensure it is carried out with legal security and without unnecessary extra costs.
aFinance works for your interest
We carry out the study of your mortgage for free in 24 hours and without any kind of commitment. We negotiate for you with all the banking entities the best market conditions. We get the maximum financing on your mortgage.
Save money, time and headaches with aFinance.