We finance 100% of your home
- A mortgage financed up to 100%
- The best mortgage conditions on the market
- Economic tranquility
- A personal manager who will accompany you throughout the entire process
- Completely free assessment
Experts in mortgage management
Reviews from clients who obtained their 100% mortgage in Madrid.
Preguntas frecuentes
Is it possible to get a 100% mortgage in Madrid?
It is possible to obtain mortgages with financing of up to 100% in Madrid, depending on the applicant’s profile, financial stability, and the type of transaction. At aFinance, we negotiate with different lenders to help you secure the highest possible financing, which may reach up to 100% of the purchase price or the appraised value.
More information: 100% Mortgage: how to buy a home without savings.
Which banks offer 100% mortgages in Madrid?
There is no bank that always offers 100% mortgages in Madrid. The possibility of obtaining this financing depends on the applicant’s profile, the property, and the characteristics of the transaction. At aFinance, we analyze your case individually to find the best option that may allow you to obtain up to 100% financing.
Who can obtain a 100% mortgage?
Banks assess income stability, debt levels, employment history, credit history, and the type of property.
The key is to present a strong and consistent profile. Our team prepares your application so that every detail works in your favor and increases your chances of approval.
What are the requirements to apply for a mortgage in Madrid?
When applying for a mortgage, factors such as income stability, debt levels, and employment status are taken into account. In some cases, the applicant’s available savings and financial history may also influence the decision.
How much do I need to buy a home in Madrid?
Banks usually finance up to 80% of the lower value between the purchase price and the appraised value. At aFinance, we analyze your case individually and help you obtain up to 100% of the property value.
More information: 100% Mortgage: how to buy a home without savings.
What are the advantages of working with a mortgage broker like aFinance?
The main advantage is direct and simultaneous access to multiple lenders and preferential offers, which increases your options and can improve your mortgage conditions.
In addition, we manage all the documentation, help avoid mistakes, and support you through the entire process until the signing before the notary. Our service combines technical expertise, transparency, and strong negotiation capacity.
More information: What does a mortgage broker do and how can they help you save thousands of euros?
How long does it take to get a mortgage?
The average timeframe is usually between 30 and 60 days, depending on the lender’s processing speed and the availability of the required documentation.
Thanks to our direct management with banks’ mortgage departments, we can significantly reduce the usual processing times.
More information: Your mortgage in less than a month: how aFinance Express Mortgage works.
Can I buy a home in Madrid if I am self-employed?
Yes. It depends on income stability, turnover, and debt levels. We help you find lenders that work with self-employed applicants.
Who actually lends the money?
The financing always comes from a bank or lending institution.
aFinance acts as a mortgage intermediary regulated by the Bank of Spain, which means we analyze the market, compare conditions, and negotiate on your behalf to obtain the best available options.
Can I apply for a mortgage as a foreigner or non-resident?
Yes. Spanish lenders offer specific mortgage products for non-residents, with conditions adapted to the applicant’s profile and country of residence.
At aFinance, we manage these operations with banks that have specialized international departments.
Can I improve the conditions of my current mortgage?
Yes. Through a mortgage subrogation, you can transfer your loan to another lender that offers 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.
More information: Best mortgages in Spain 2026: These are the best mortgages for each month
What is the difference between a mortgage and a personal loan?
A mortgage is secured by a property and usually offers lower interest rates and longer repayment terms.
A personal loan, on the other hand, has no real collateral, which means higher interest rates and shorter repayment terms.
What is the maximum age to apply for a mortgage?
It depends on each lender’s policy, but generally the borrower’s age plus the loan term cannot exceed 75 years.
However, some lenders allow mortgages that reach up to 80 years of age at the time the loan matures.
