Advantages of looking for a mortgage when you already have the property chosen

Finding the ideal home is one of the most important steps in buying a house. However, many people start looking for mortgage financing before they've even chosen a property.

If you already have a home in mind, there are significant advantages to applying for a mortgage that can make the whole process faster and more efficient.

1. A much faster mortgage process

Once the property has been identified, at aFinance we can manage your transaction completely, eliminating intermediate phases common in other mortgage processes, such as the subsequent search for housing or the review of urban planning characteristics.

With the property chosen from the beginning, your application can move directly to:

✔️ Feasibility study

✔️ Official appraisal

✔️ Bank approval

At aFinance, this system allows many mortgages to be finalized in just two weeks:

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2. Reduction of unforeseen costs in the appraisal

With the property already selected, we can immediately activate the appraisal process and obtain the report in just 7 days.

Furthermore, thanks to our 360º service and the prior review of all documentation, we can anticipate unforeseen events, such as discrepancies in surface area, registration problems, urban planning doubts or errors in the cadastral reference.

This way, the process becomes faster and without surprises for both you and the bank.

3. Greater ability to negotiate the price of the property

Thanks to our agreements with more than 1,000 real estate agencies throughout Spain, at aFinance we can help you analyze and negotiate the price of the property.

Having access to real and comparable market information allows us to:

✔️ Detect if the price is above the appraised value

✔️ Have solid arguments to negotiate with the seller

✔️ Adjust the transaction to perfectly fit your mortgage

This way, you not only ensure that the property is mortgageable, but you also maximize the relationship between price and financing.

4. Access to updated banking offers

Once the property has been defined, the process is expedited and we can request specific and up-to-date mortgage offers.

Have you still not decided on a home?

We help you find your dream home. With our Real Estate Personal Shopper service, we'll search for the property that best suits your needs, preferences, and budget, guiding you through the entire process until you find your ideal home.

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