Your mortgage in less than a month: this is how aFinance's Express Mortgage works

Published on May 6th 2026

At aFinance we've launched our new document area, a personal and private space to upload and download all your documents, speeding up the mortgage application process.

We know that getting a fast mortgage in Spain is still one of the biggest challenges when you want to buy a home. Traditional banking processes can take months, especially due to document collection and risk analysis.

“At aFinance we have developed our own Express Mortgage system, a digital process that allows clients who already have a property selected to obtain mortgage financing in less than 1 month, thanks to the automation of document analysis and integration with official institutions.

ACCESS YOUR EXPRESS MORTGAGE HERE

1- Express Mortgage: Document centralization and analysis within 24 hours

The new Document Area is configured as a personal and private space, where you can upload all the necessary documentation for your mortgage study in a single place, quickly and easily. In addition, the system allows you to directly download certain documents from public institutions such as the Tax Agency or Social Security, making the process easier in case you do not have them available.

From this area you can:

✔️ Upload the documentation of all applicants

✔️ Download documents automatically from official institutions

✔️ Centralize your entire mortgage file

✔️ Obtain your free mortgage pre-assessment in less than 24 hours.

With this automation, we have managed to reduce analysis times by up to 70% for clients who already have a property selected, thanks to the optimization of intermediate management processes::

2- Required documentation

To carry out a personalized analysis offering you the best mortgage conditions, you must upload three fundamental documents to the platform:

✔️ Employment History Report, which allows us to verify your stability and professional background.
✔️ Income Tax Return, necessary to analyze income and tax obligations.
✔️ Personal Income Tax Certificate (IRPF), which complements your tax information and optimizes the financial evaluation.

✔️ Last 3 payslips.

And remember, if you do not have the documentation at hand, the platform allows you to download it directly, quickly and securely from:

✔️ Tax Agency

✔️ Social Security

The entire process guarantees the protection of your personal data and compliance with current regulations.

3- Differences between the traditional mortgage and the Express Mortgage

The main difference between the traditional mortgage and aFinance’s Express Mortgage lies in the speed, process efficiency, and the ability to optimize final conditions.

While traditional banking mainly relies on manual processes, longer deadlines, and offers limited to a single entity, our Express Mortgage digitalizes the entire process, centralizes documentation in a single environment, and allows the study and approval process to be accelerated in significantly shorter timeframes. Added to this operational difference is a key factor: negotiation capacity.

With the launch of the Document Area, at aFinance we reaffirm our commitment to technology as a growth driver and a key tool to offer faster, more digital, and secure mortgages.

BLooking for a mortgage and already have a property selected?

Get your Express Mortgage in record time with up to 100% financing:

APPLY FOR YOUR EXPRESS MORTGAGE

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