Mortgage for young people in 2026: how to buy your first home without savings

Published on March 30th 2026

Discover how to secure your first home in Spain with a youth mortgage in 2026, even without savings. Up to 100% financing, ICO guarantee, and expert guidance tailored to your autonomous community.

EIn 2025, the Spanish mortgage market experienced a historic recovery: following the stabilization of interest rates and the more predictable behavior of the Euribor, 501,073 mortgages were issued on homes, according to the INE—the highest figure since 2010, representing a year-on-year increase of 17.8%.

Although the total volume of mortgages is growing, for many young people it is still difficult to access their first home. For this reason, in 2026 the youth mortgage in Spain has become the best option for those who want to buy a home at a young age, even without having large initial savings.

In this article, we explain how it works, what requirements you need, and how to obtain up to 100% financing with the help of aFinance, experts in youth mortgages.

1. What is a youth mortgage and how does it work?

A youth mortgage is a home loan designed to facilitate access to housing for people under the age of 35.

Main benefits

✔️ Access to a higher percentage of financing
✔️ Benefit from public aid such as the ICO guarantee
✔️ More competitive interest rates for young people

Common requirements

✔️ Be under 35 years old
✔️ Purchase your first home
✔️ Use it as your primary residence
✔️ Meet income limits

Beyond age, the key factor for financial institutions is your creditworthiness. In addition to having stable employment, banks assess your debt-to-income ratio: your future mortgage payment should not exceed 30–35% of your net monthly income to ensure the loan is viable.

“In the past year, aFinance has helped more than 23,000 young people manage their mortgage, making it easier for them to access their first home in a fast and personalized way.”.

GET YOUR YOUTH MORTGAGE

2. Youth mortgages by autonomous community: where is it easier to access?

We analyze the autonomous communities with the highest volume of mortgages according to the INE and aFinance’s experience.

In 2025, the regions with the most mortgages were Andalusia, Catalonia, Madrid, the Valencian Community, the Basque Country, and Galicia. However, a higher number of signed mortgages does not always mean easier access to housing for young people.

How to get a youth mortgage in Andalusia

In Andalusia, young people can obtain up to 90% financing with an ICO guarantee. Cities such as Seville and Málaga offer regional programs that facilitate access to a first home.

Mortgage activity volume in Catalonia

Catalonia concentrates a large part of the real estate market, but competition is high. With expert guidance, it is possible to obtain a youth mortgage without savings in 2026.

Mortgage financing percentages in Madrid

In Madrid, young people within the established income limits can access youth mortgages with up to 95% financing, especially if it is their first home.

According to studies by CaixaBank Research, around 20.6% of households with a head under 35 years old have a mortgage on their primary residence, reflecting the importance of taking advantage of aid and specialized advice.

At aFinance, we analyze each case individually to help you find the best option based on your location, optimizing financing, conditions, and real possibilities of accessing your first home.

CHECK YOUR YOUTH MORTGAGE IN YOUR REGION

3. ICO guarantee for youth mortgages: how to get up to 100% financing

The ICO guarantee makes it possible to cover the percentage usually required by the bank, enabling youth mortgages with up to 100% financing.

How to obtain it:

✔️ Be under 35 years old

✔️ Purchase your first home

✔️ Use it as your primary residence

✔️ Meet the income limits set by your autonomous community

“At aFinance, we help more young people every day obtain their ICO guarantee, adapting the process to their region and personal situation.”

4. Expert advice from aFinance for 2026

When choosing your mortgage this year, don’t focus solely on the nominal interest rate. Given the current market curve, it’s essential to compare fixed, variable, and mixed-rate options to understand which one best protects your long-term borrowing capacity. In 2026, the key is not just getting approved for a mortgage, but ensuring the terms—such as opening fees, bundled products, and repayment periods—work in your favor. An expert advisor doesn’t just secure the funding; they ensure you get the best financial contract for your future.

5 – Testimonial: They secured a youth mortgage with 95% financing in just 2 weeks

⭐⭐⭐⭐⭐ Claudia, an administrative assistant, and Nicolás, a secondary school teacher, had been searching for their first home for months in a challenging market, where prices are rising and mortgage conditions are difficult to compare.

They decided to turn to aFinance, and from day one, their personal advisor guided them through the entire process: reviewing their financial profile, comparing multiple mortgage offers, and negotiating with banks on their behalf.

In just two weeks, they obtained approval for a mortgage with 95% financing and completed the property valuation, with much more favorable conditions than those they had found on their own.

"The conditions they secured for us, and in such a short time, convinced us to choose their service, allowing us to achieve our dream of owning a home before getting married." — Claudia R.

6 – aFinance, experts in youth mortgages in Spain

Not all mortgages are the same, and making the right choice makes a long-term difference. At aFinance, with over 20 years of experience, we help you secure your youth mortgage based on your autonomous community and personal profile. We support you throughout the entire process, protecting your interests and offering you the best opportunities on the market—saving you both time and money.

If you’re ready to take the next step, discover the options available based on your profile.

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