70% of civil servants who use aFinance secure a 100% mortgage, whether for a primary or secondary residence.

Most civil servants sign their mortgage with the bank where they have their salary paid in, without comparing other options. And that is often one of the mistakes that costs them the most money in the long run. 

It is not that their bank offers them a bad mortgage, but rather that each financial institution assesses a civil servant’s profile differently. This difference can translate into a lower interest rate, higher financing or better mortgage conditions, with savings of thousands of euros over the life of the loan.. 

At aFinance we see this every day. 70% of civil servants who manage their mortgage with us obtain 100% financing. And not only for the purchase of a first home. We also help civil servants who already own a property and are looking for a mortgage for a second home with the maximum financing percentage, an operation that very few institutions grant to other profiles.. 

Why does this happen? Because a civil servant’s profile, thanks to their employment stability, is one of the profiles that banks value most highly. However, not all institutions apply the same criteria or offer the same conditions. That is why it is essential to compare and present each application to the bank that genuinely values that profile most highly. 

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Why do civil servants tend to get better mortgage conditions? 

Starting from the basis that there is no specific "civil servant mortgage" that you can apply for as a particular product, what really makes the difference is how each financial institution assesses this profile and the conditions it is willing to offer depending on the transaction. 

This is where the differences begin. Some banks may grant a higher percentage of financing, others offer a more competitive interest rate, and others reduce the required linked products. It all depends on each institution’s policy and the characteristics of your transaction. That is why, at aFinance, we do not look for a mortgage specifically for civil servants, but rather for the bank that, at that particular time, can offer you the best conditions according to your profile. 

This is why two civil servants with an almost identical situation can receive very different mortgage offers. The difference does not lie in having a permanent position, but in the institution analysing the transaction and how it assesses it.

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What really makes a difference: financing, interest rate and linked products

When an institution positively assesses a civil servant’s employment stability, it is common for it to offer more competitive conditions than those offered to other profiles: 

1. More competitive interest rates, both for fixed-rate and variable-rate mortgages.  
2. Up to 100% financing, something that the market generally reserves for very few profiles.  
3. Reduced fees, especially arrangement and assessment fees.  
4. Fewer linked products: fewer insurance policies, cards or pension plans that you are required to take out.  
5. More flexible repayment conditions, with greater scope for early repayment or changing conditions if your situation changes.  
6. Greater ease in getting the transaction approved, because the profile represents less risk from the outset. 

Of all these advantages, financing is usually the most visible. The market generally revolves around 80% of the lower value between the purchase price and the valuation, and many civil servants can access financing of up to 100%, both for a first home and a second home.

In any case, it is always advisable to look at the total cost of the transaction and not just the interest rate. Two loans with the same interest rate can work out very differently if the financing percentage, fees, mandatory insurance or repayment conditions change. 

Every month, at aFinance we help more than 8,000 people find the financing that best suits their profile. Contact us and discover all your advantages as a civil servant. 

Can any civil servant access these conditions? 

There is no single civil servant profile that can access these conditions, and that works in your favour.  

If you are a career civil servant, you usually start with an advantage, especially in sectors such as Public Administration, healthcare, education, the justice system or the State Security Forces and Corps, where a permanent position is as stable as it gets. And if you are an interim civil servant, you are not excluded either: with an established career, stable income and a healthy financial profile, you can also access very competitive conditions and even conditions similar to those available to a career civil servant, with good financial intermediation. 

We assess each transaction individually, because each institution values these factors differently. So the question that really matters is not "can I get a civil servant mortgage?", but "which institution is going to assess my specific situation most favourably?". That is the question we answer every day. 

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What requirements will they ask you to meet before approving your mortgage? 

Being a civil servant helps, but it does not replace a solvency assessment. Before giving you the green light, any institution will look at the same things it would consider for any other profile:  

1. That your income comfortably covers the monthly payment.  
2. A reasonable level of indebtedness, generally below 35% of your income.  
3. A clean credit history.  
4. Your employment and financial documentation in order.  

Meeting these requirements is only one part of the process. The other lies in how the transaction is analysed, prepared and presented to each institution. Two virtually identical applications can receive very different responses depending on the bank that assesses them and how the application is presented. 

With more than 20 years of experience in mortgage intermediation, at aFinance we review each case before presenting it, identify the strengths of the profile, anticipate possible objections and select the institutions most likely to offer the best conditions.

Contact us and we will review your case 

Frequently asked questions about mortgages for civil servants: 

Do civil servants always get better mortgages?  

Not always, but they start with an advantage thanks to their employment stability.  

Which bank offers the best mortgage to a civil servant? 

There is no single one. It depends on the amount you need, the financing percentage, the value of the property and the risk policy each institution has at that particular time. That is why comparing several offers through a mortgage broker is often what makes the difference. 

I am an interim civil servant, can I apply for a mortgage in the same way?

Yes, and you can even obtain the same conditions as a career civil servant. It will depend on your length of service, your income and the institution’s risk policy, but being an interim civil servant does not close the door. 

Is it worth comparing mortgages before signing?  

Yes, without a doubt! The difference between offers can result in significant savings on interest, fees and linked products over the entire life of the mortgage.