We finance 100% of your home
- A mortgage financed up to 100%
- The best mortgage conditions on the market
- Economic tranquility
- A totally free personal advisor
aFinance is a leading mortgage broker specialized in the management and negotiation of mortgage loans and offers you the best conditions for you to enjoy your new home.
Our clients' opinions
Gracias a Joan Domingo hemos podido firmar una hipoteca la cual llevávamos tiempo intentándolo. Nos ha ayudado en todas nuestras dudas y no eran pocas. Se encargó él de todo el papeleo y de buscar la que más encajara a nuestras posibilidades. Solo tengo palabras de agradecimiento. Recomendable 100%. Y una vez más... Mil gracias Joan.
Excelente atención. En nuestro caso nos asesoró Manel, su gestión fue muy ágil y eficaz. Nos respondía todas las preguntas de forma clara y durante toda la transacción estuvo pendiente de si entendimos todo y disponible en todo momento.
Frequently asked questions
Can I get 100% financed?
Yes, at aFinance we can get up to 100% financing on your mortgage as long as you meet some requirements. Our professional team will study all the options for free and will offer you the one that best suits you.
Why choose aFinance?
We have more than 15 years of experience in the mortgage industry and we get the most difficult mortgages. We carry out free mortgage studies in 24-48 hours, personalized and without any commitment. Our managers will negotiate the best market conditions for you with the banks until you get the interest rate that best suits your needs. Save time, money, paperwork and headaches with aFinance.
What is a mortgage broker?
A mortgage broker is a professional or a company that is in charge of finding the best mortgage for its clients. aFinance is a leading mortgage broker with more than 15 years of experience. We negotiate for our clients with more than 20 banks until we achieve the lowest interest in the market, closing the most difficult mortgage operations with great success. Our mortgage managers are in charge of carrying out all the necessary steps to formalize the mortgage, accompanying the client until the signature.
How is the proccess?
Easy and simple: at all times you will have the accompaniment of our professional team.
At aFinance we summarize it in 4 simple steps: application, approval, processing and signature. We carry out all the necessary steps to formalize your mortgage for free, we only win if we get the best conditions for you and you sign with us.
We carry out the study of your mortgage in a free and personalized way. You will only pay our fees if we manage to offer you the best market conditions and if you end up signing with us.
Is it possible to apply for a mortgage without a payroll?
Yes, we can help you get a mortgage without a payroll. With our experience in the sector we can even get up to 100% financing of the purchase price of the home. Contact us and a specialized manager will study your case in a personalized and free way.
Can I request a mortgage without entry?
Yes, you can, although the normal thing today is that banks ask for a minimum of 20% of the value of the purchase of the property as input to apply for a mortgage loan. If we do not have that amount, at aFinance we have all the experience and resources to be able to study the case in a personalized and free way in order to obtain the maximum financing for your mortgage.
Can I apply for a mortgage without savings?
Yes, it is possible to apply for a mortgage without savings, although a preliminary study of the owners profiles must be carried out. Contact us and our mortgage advisers will find the mortgage that best suits your needs.
Mortgages 100% + Expenses
Since the crisis broke out, both Banks and Savings Banks have become much more prudent when it comes to granting their clients mortgage loans. During the boom times when the real estate bubble broke out, the vast majority of financial institutions offered 100% of the appraisal value of the home to be mortgaged and on some occasions even more, financing the purchase expenses, but currently the usual is that customers contribute at least 20% of their value from their savings.
Despite this, in recent months and due to the reduction in the cost of financing, we can find entities that offer us up to 100% of the price of the home, and not only in properties from their own real estate market, but also through customers who request it. At the moment it is not a very widespread practice, but there are already mortgages with a high loan/value ratio of the property on the market.
In general, today the offer is quite scarce, although it is expected that the offers will increase, due to the great competition that exists between financial institutions since, since they cannot differentiate themselves by offering a lower interest rate, they must opt for offer a higher percentage of the value of the property when granting the loan for financing.
There are other options when taking out a mortgage, although we would have to choose between those that are currently on the market, fixed, variable or mixed, and among them there are many whose conditions are excellent but with excessive links, and which only They end up financing 80%, which is the most common when we talk about mortgage loans.
Mortgages for public workers
Being a career civil servant is the ideal client for banks when it comes to getting a mortgage loan and will allow you to obtain the best possible mortgage conditions, at least if you go to financial institutions that have special agreements for this type of public administration worker.
The stability offered by these employees is a factor that makes banks study the borrowing operation. They may obtain the following conditions:
- Lower differentials: variable rate mortgages for civil servants have lower differentials, so the final interest will be lower.
- Less connection: minimal connection, for example, only taking out insurance and direct debiting the payroll. The same bank entity could request up to 5 products from a worker who is not an official.
- Greater financing: the bank will be more open to making a 100% mortgage due to the greater guarantee of payment.
Of course you must be a civil servant without previous personal debts, with significant savings, the possibility of guarantors and the house you want does not mean that the mortgage payment exceeds 30-35% of the net income of those you buy.
We recommend comparing all the offers provided to be sure that you are getting the best mortgage for public workers. To do this, you can contact a financial intermediary who can advise you in the broad credit market.