With our knowledge and experience in the sector, we manage and negotiate with the best banks to help you secure the best terms. We are committed to building homes, not just mortgages.
Types of transactions
Purchase and saleIn the case of a purchase and sale, the complete acquisition of a property is carried out, including all associated costs, with the possibility of financing up to 100% of the property’s value plus additional expenses.
Mortgage for non-residentsWe offer mortgage services for non-residents, tailored to each client’s financial and documentation situation. We guide and inform the client throughout the entire process. We also work with partners to manage the necessary paperwork, ensuring a complete and secure experience for our clients.
Mortgage for purchase + renovationIt covers both the purchase and renovation in a single payment. By buying and renovating your home to improve its energy efficiency by 30% or more, you will not only achieve significant savings on your energy bills but also reduce your monthly payment.
Mortgage switchA mortgage switch involves transferring the mortgage loan from your current financial institution to another, which may be motivated by various reasons, such as obtaining better financing conditions.
Mortgage calculatorEasily calculate the feasibility of your mortgage and monthly payment with our calculator, no strings attached.
Debt consolidationDebt consolidation is a process that combines several loans into a single one, which can help simplify financial management and, in some cases, reduce the interest burden.
Condominium dissolutionCondominium dissolution involves transferring ownership of a property from one party to another, allowing the acquisition of a larger percentage of a property that one already partially owns.
Remortgaging a propertyRemortgaging a property involves clearing existing mortgage charges in order to mortgage it again, for purposes such as obtaining additional liquidity or financing specific projects.
What are the steps to obtain a mortgage?
Approval
Once the application and the requested documentation are received, the client will receive a response from the analyst indicating the viability of the operation and the necessary documents to continue with the process.
Approval means that, based on the provided data and documents, the loan is feasible, subject to a minimum value of the property to be mortgaged.
Once the presented offer is accepted, the client has fourteen calendar days to withdraw without providing a reason and without any penalty.
Signing
Before the signing, we contact the client to confirm all the details that will be included in the deed before the notary, the exact amount of the fees, and the documents to be provided on the day of the signing.
Our fees must be paid at least three days before the transparency act and before the formalisation of the credit/loan transaction. These fees are included in the total loan cost. We also coordinate the amount and method of payments to be made at the Notary's Office.
In the case of purchasing a property, two deeds will be signed before the notary: the sale deed and the mortgage deed.
Once signed, we coordinate the payment of taxes and register the deeds with the Land Registry. After completing the process, the client will receive the sale deed and a copy of the mortgage deed, along with a settlement of the funds provision made.
Processing
We take care of all the necessary steps to formalise the requested mortgage. We arrange the property appraisal with a company accredited by the Bank of Spain, which will assess the value of the property to be mortgaged.
We verify the legal status of the property to ensure the mortgage can be registered with the Land Registry.
It is essential to check if there are any existing charges on the property. If so, we will handle all the necessary steps to cancel them and provide our client with the appropriate legal security.
Once the most suitable offer for the client’s situation is accepted, the client has fourteen calendar days to withdraw without providing a reason and without penalty.
Once the offer is accepted, the client has fourteen calendar days to withdraw without providing a reason and without any penalty.
Application
The first step is to fill in the form for a free assessment and explain your particular case. One of our analysts will request precise information to analyse your application and determine the type of financing that best suits your needs.
Our process
From the very first contact with our online department, we are committed to making the mortgage process smooth and worry-free. During this initial interaction, an online manager will make the first call to gather essential information and the necessary basic documents, such as the ID card, the last 3 payslips, employment history, and tax return. On the same day, we review the documentation and assign a specialised mortgage manager who will guide each client through a free and personalised assessment, tailored to the specific needs of each case.
Connecting with the mortgage manager marks the beginning of a comprehensive support process. This professional is responsible for coordinating and managing all the necessary steps to secure the mortgage, from the initial stages through to signing before the notary. Additionally, we offer the option of working with a team of Property Personal Shoppers, experts in home searches, focused on finding the ideal property according to each client’s preferences. This provides peace of mind and saves both time and money, ensuring the purchase is made with complete security.
Once the property is found and the mortgage secured, the signing process begins. At this crucial stage, our specialised signing supervisor department takes over. With extensive experience and knowledge in mortgage law, their mission is to ensure that the signing process before the notary is safe, swift, and efficient. Prior to the signing, they will meticulously check all the required documentation, ensuring that everything is in order so the client can enjoy their new home with complete confidence.
We negotiate for you
People
The online department is the first point of contact with the client. They are responsible for requesting the necessary documentation and preparing the file to be reviewed by the mortgage manager.
They guide the client throughout the entire process, coordinating and managing all aspects necessary to secure the mortgage, from the beginning through to signing before the notary.
Our signing supervisors have a clear mission: to ensure the signing process before the notary is safe, swift, and efficient. We meticulously review all documentation to facilitate a smooth and trouble-free signing in front of the notary.
We help you find your perfect home at no cost. The Property Personal Shopper works alongside your mortgage advisor, taking care of finding properties tailored to your needs, arranging viewings, and negotiating the best purchase price.
At aFinance, we understand that buying a house and securing a mortgage are important life decisions. That’s why we conduct your mortgage assessment for free and with no obligation. We take care of negotiating with the leading banks to secure the most favourable terms on the market and ensure maximum financing for you. With aFinance, save money, time, and avoid worries.
Free assessment form
assessment form
