Youth mortgage : Up to 100% financing

If you are under 35, you can access a young person's mortgage with special conditions to buy your home with less initial savings:

Variable mortgage

from 0.45%

Fixed mortgage

from 2.15%

Mixed mortgage

from 1,55% Fixed period, rest Euribor + 0.75%

Get up to 100% financing for your mortgage, with lower monthly payments, terms of up to 40 years, and access to public guarantees and assistance for young people.

Request preliminary study

Fill out the form and we will send you a preliminary study for free

Best time to talk

From 9 am to 1 pm

From 1 pm to 3 pm

From 3 pm to 6:30 pm

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DATA PROTECTION

AFINANCE FINANCIAL CONSULTING, S.L. informs Users, in compliance with the provisions of Organic Law 3/2018 of 5 December on the Protection of Personal Data, and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, of the existence of a database in which the personal and/or commercial information appearing in this form will be entered.

By using this Website (www.afinance.es), the Applications, and/or by communicating electronically and similarly with AFINANCE FINANCIAL CONSULTING, S.L. (hereinafter, websites), the User grants their consent to AFINANCE FINANCIAL CONSULTING, S.L. using the information provided for statistical purposes and/or for sharing it with the other licensees of its network solely and exclusively for purposes directly related to the corporate purpose of the company, all in accordance with the privacy policy.

AFINANCE FINANCIAL CONSULTING, S.L. informs Users that they can exercise the rights of access, rectification, limitation of processing, erasure, portability and opposition to processing, which Users have and that they may be exercised before AFINANCE FINANCIAL CONSULTING, S.L. via the following postal address: Paseo de Gracia, 85 Planta 7ª, Barcelona (08008) or via the email: [email protected].

CONDITIONS OF USE

The User of the Website states that the personal data provided through the forms available therein correspond only to the personal data of which it is the owner. Notwithstanding the foregoing, AFINANCE FINANCIAL CONSULTING, S.L. will allow the User to provide data from a third party provided that the User has explicit authorisation from the affected third party and has duly informed the third party of the enquiry, of the procedure that it will carry out with AFINANCE FINANCIAL CONSULTING, S.L. as well as the Privacy Policy. Likewise, the User guarantees to AFINANCE FINANCIAL CONSULTING, S.L. the accuracy, correction, validity and authenticity of the personal data provided.

Therefore, AFINANCE FINANCIAL CONSULTING, S.L. is exempt from liability with respect to any lack of authorisation by third parties, the truthfulness of the information and data provided by the User, with the latter being liable for any damage or harm, whether direct or indirect, that may be caused as a result of the breach of such obligations.

WEB OWNER DATA

COMPANY NAME: AFINANCE FINANCIAL CONSULTING SL
TAX ID: B66481748
POSTAL ADDRESS: PASSEIG DE GRACIA 85, 7TH FLOOR, 08008, BARCELONA
EMAIL ADDRESS: [email protected]
COMMERCIAL REGISTER: Registered in the Mercantile Registry, in volume 37000, page 90, sheet B-294.590, entry 5.
MAIN PURPOSE: Financial intermediation for obtaining mortgage loans without providing advisory services.

In accordance with the current applicable personal data protection regulations, we inform you that your data will be incorporated into the processing system owned by AFINANCE FINANCIAL CONSULTING SL, with Tax ID B66481748 and registered office at PASSEIG DE GRACIA 85, 7TH FLOOR, 08008, BARCELONA, and that their respective purposes, retention periods, and legal bases are listed below. For those processing activities that require it, information on potential profiling and automated decision-making, as well as possible disclosures and international transfers planned by AFINANCE FINANCIAL CONSULTING SL, is also provided:

PROCESSES CARRIED OUT

Web form commercial actions

Purpose: Collection, recording, and processing of data for handling your inquiries and/or requests, as well as advertising and commercial prospecting.
Retention period: Records will be kept as long as consent is maintained, unless legally required otherwise.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None planned.
International transfers: None planned.
Profiling: None planned.

Commercial actions and/or advertising mailings

Purpose: Collection, recording, and processing of data for advertising and commercial prospecting purposes.
Retention period: Records will be kept as long as consent is maintained, unless legally required otherwise.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None planned.
International transfers: None planned.
Profiling: None planned.

Collection and management of potential clients

Purpose: To manage requests for information and the initial contact with individuals interested in financial intermediation services when such contact is made through the website, online forms, social media, instant messaging channels, or other digital means enabled by the entity, as well as, when the data subject has given their consent, to share their contact details with partner companies providing complementary services.
Retention period: Records will be retained for as long as the consent given remains valid, unless a legal obligation requires otherwise.
Legal basis: The data subject’s consent.
Type of data: Identification data only.
Data sharing: Data may be shared with partner companies providing complementary services, only when the data subject has given their consent.
International transfers: Not foreseen.
Profiling: Not foreseen.

Creditworthiness analysis and financial feasibility study

Purpose: To evaluate the economic, asset, and employment solvency of the client to determine the feasibility of a financing operation.
Retention period: Records will be kept for the period strictly necessary to comply with the aforementioned purposes, unless legally required otherwise.
Legal basis: Contract execution and consent of the data subject for the disclosure of data to Permisso.
Type of data: Purely identifying data, financial data, professional data, health data, solvency data, social circumstances.
Disclosures: Data provided by you may be disclosed to Beyond the Scope, S.L. (Permisso), to obtain client asset reports, only when the data subject consents.
International transfers: None planned.
Profiling: None planned.

Intermediation and communication of data to financial institutions

Purpose: To present the client’s financial profile to collaborating financial institutions to obtain financing offers, as well as manage and send the necessary documentation to official appraisers for issuing appraisal reports linked to the financial operation.
Retention period: During the period strictly necessary to comply with the aforementioned purposes, unless legally required otherwise.
Legal basis: Contract execution.
Type of data: Purely identifying data, financial data, professional data, health data, solvency data, social circumstances.
Disclosures: Tax Agency, Banks and Savings Banks, Financial Institutions, and Official or Accredited Appraisers. Legal basis for disclosure: Compliance with the law and execution of the contract.
International transfers: None planned.
Profiling: None planned.

Anti-Money Laundering management

Purpose: Collection, recording, and processing of personal data of clients and potential clients to comply with current Anti-Money Laundering regulations.
Retention period: Data will be kept for 10 years, according to the law.
Legal basis: Compliance with the law.
Type of data: Purely identifying and sensitive data.
Disclosures: Data provided by you may be disclosed to the Tax Agency, Banks, and Savings Banks to fulfill tax obligations established in applicable regulations. Legal basis for disclosure: Compliance with the law.
International transfers: None planned.
Profiling: None planned.

HR management

Purpose: Collection, recording, and processing of candidate data for personnel selection purposes, and for management, analysis, and archiving of candidate resumes.
Retention period: Data will be kept for 1 year, according to the law.
Legal basis: Legitimate interest.
Type of data: Purely identifying data.
Disclosures: Data will be disclosed to SESAME LABS SL for managing job offers.
International transfers: None planned.
Profiling: None planned.

Regulatory compliance management

Purpose: Management and processing of obligations and duties arising from compliance with applicable regulations.
Retention period: Retention of document copies until actions to claim potential liability expire.
Legal basis: Compliance with the law.
Type of data: Purely identifying data.
Disclosures: Data provided by you may be disclosed to competent public authorities for compliance with applicable regulations. Legal basis for disclosure: Legitimate interest.
International transfers: None planned.
Profiling: None planned.

Administrative coordination of notarial signing

Purpose: To administratively coordinate the signing of the mortgage loan between the client and the financial institution once the operation is approved, facilitating scheduling and sending information necessary for preparing the public deed.
Retention period: For the period strictly necessary to comply with the above purposes, unless legally required otherwise.
Legal basis: Contract execution.
Type of data: Purely identifying data.
Disclosures: Data provided by you will be disclosed to Notaries. Legal basis for disclosure: Contract execution.
International transfers: None planned.
Profiling: None planned.

Personal Shopper service management

Purpose: To manage the search and coordination of property visits so that they can serve as collateral for a financial operation.
Retention period: For the period strictly necessary to comply with the above purposes, unless legally required otherwise.
Legal basis: Contract execution.
Type of data: Purely identifying data.
Disclosures: Data provided by you may be disclosed to third parties strictly necessary for proper service provision (e.g., real estate collaborators), as well as to Public Administrations and competent authorities when legally required.
International transfers: None planned.
Profiling: None planned.

Website management

Purpose: Processing and management of data necessary for website functionality.
Retention period: While consent is maintained.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None planned.
International transfers: None planned.
Profiling: None planned.

Whistleblowing channel management

Purpose: To process communications in accordance with Law 2/2023 of February 20, regulating the protection of individuals reporting legal violations and anti-corruption matters.
Retention period: For the time strictly necessary to decide on the initiation of investigations, and in any case deleted from the communication channel after three months, unless retention is needed to provide evidence of the functioning of the prevention model, in which case the data may continue to be processed by the authority responsible for investigating the reported facts.
Legal basis: Compliance with the law.
Type of data: Purely identifying data.
Disclosures: Competent public authorities. Legal basis for disclosure: Compliance with the law.
International transfers: None planned.
Profiling: None planned.

Cookies installation

Purpose: Management and installation of cookies.
Retention period: While consent is maintained.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None.
International transfers: None planned.
Profiling: None planned.

Newsletter

Purpose: Management of newsletter subscription for sending communications.
Retention period: While consent is maintained.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None.
International transfers: None planned.
Profiling: None planned.

Image processing

Purpose: Collection, recording, and processing of images captured via photographs and/or videos produced by the entity, to enhance corporate image and/or promote the entity’s activities on its website and/or social media.
Retention period: While consent is maintained.
Legal basis: Consent of the data subject.
Type of data: Purely identifying data.
Disclosures: None.
International transfers: None planned.
Profiling: None planned.

Video surveillance

Purpose: To ensure the security of facilities, assets, and/or persons.
Retention period: 1 month, in compliance with Article 22.3 of Law 3/2018 of December 5 on Data Protection and Guarantee of Digital Rights.
Legal basis: Public interest.
Type of data: Purely identifying data.
Disclosures: Data may be disclosed to Law Enforcement and Courts to comply with applicable regulations and guarantee security and protection of people. Legal basis: Compliance with the law.
International transfers: None planned.
Profiling: None planned.

DATA MANAGEMENT

In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, regarding the protection of natural persons with regard to the processing of personal data and the free movement of such data, and repealing Directive 95/46/EC, AFINANCE FINANCIAL CONSULTING SL informs the User regarding the websites https://www.afinance.es/en/ and derivatives (hereinafter, websites), that the information that may be collected on the websites will be incorporated into the processing systems under the responsibility of AFINANCE FINANCIAL CONSULTING SL PRIME SL, with the purposes of managing and maintaining the relationship with the User regarding the websites, as well as for information, statistical, and marketing activities related to the services and associated activities.

AFINANCE FINANCIAL CONSULTING SL informs that the legal basis supporting the aforementioned processing is the existence of a legitimate interest. Likewise, regarding the installation of cookies, processing is legitimized by the consent given by the data subjects or, where applicable, their legal representatives.

AFINANCE FINANCIAL CONSULTING SL informs that data will be retained while the User’s consent is maintained, except in cases where legal retention is required.
In accordance with the rights conferred by current data protection regulations, the User may contact the competent Supervisory Authority to file a complaint deemed appropriate, as well as exercise the rights of access, rectification, restriction of processing, erasure, portability, and objection regarding the processing of their personal data, as well as withdraw consent previously given for such processing.

In accordance with Article 32 of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, regarding the protection of natural persons with regard to the processing of personal data and the free movement of such data, and repealing Directive 95/46/EC, AFINANCE FINANCIAL CONSULTING SL undertakes to adopt the necessary technical and organizational measures, according to the level of risks associated with the processing carried out by it and indicated in the terms and conditions of use, to ensure integrity, confidentiality, and availability. Likewise, AFINANCE FINANCIAL CONSULTING SL informs that if the User enters data in third-party website forms, such third parties will be responsible for the personal data and must adopt the technical measures described in the following section.

RIGHTS OF DATA SUBJECTS

AFINANCE FINANCIAL CONSULTING SL informs Users that they may exercise the rights of access, rectification, restriction, erasure, portability, and objection regarding the processing of their personal data before the Data Controller, as well as withdraw previously given consent.

Right of Access: The right of the user to obtain information about their specific personal data and any processing that has been or is being carried out, as well as information available about the origin of such data and communications made or planned.
Right of Rectification: The right of the data subject to have inaccurate or incomplete data corrected. This can only be satisfied regarding information under the control of the entity, for example, deleting comments published on the website, images, or web content where the user’s personal data appears.
Right to Restrict Processing: The right to limit the purposes of processing originally planned by the data controller.
Right to Erasure: The right to have personal data erased, except as provided by the GDPR or other applicable regulations that determine the mandatory retention of such data, in terms of time and manner.
Right to Portability: The right to receive personal data provided by the user in a structured, commonly used, machine-readable format, and to transmit it to another controller.
Right to Object: The right of the user to prevent the processing of their personal data or to stop such processing by the entity.

To exercise any of the rights described above, the following requirements must be met:

- Submission of a written request by postal mail to Paseo de Gracia, 85, 7th floor, Barcelona (08008) or by email to [email protected].

- The request submitted by the data subject exercising their rights must meet the following legal requirements:

The requester must reliably identify themselves, and if doubts arise about the identity of the requester, they will be asked to correct the request (e.g., by providing additional information such as ID number, ID document, or email address).
A specific description of the request (indicating the information to which access is requested). If no specific file is referenced, all information held with the user’s personal data will be provided. If information from a specific file is requested, only that file’s information will be provided. Requests regarding third-party information will never be provided. Requests by phone will be directed to submit in writing, with instructions and the address to send it to. Information will never be provided by phone.
Address for notifications.
Date and signature of the requester.
Documents supporting the request.
The data subject must use any means that allows proof of sending and receipt of the request.

Finally, you are informed that you have the right to file a complaint with the Spanish Data Protection Agency if you become aware of, or consider, that an event may constitute a breach of the applicable data protection regulations.

AFINANCE FINANCIAL CONSULTING SL undertakes to adopt the necessary technical and organizational measures, according to the level of risks associated with the processing carried out by it and indicated in the terms and conditions of use, to ensure integrity, confidentiality, and availability.

Last updated: March 2026

iProcessing of your personal data

How your young person's mortgage works

We guide you step by step so you can secure your financing simply and easily:

We analyse your profile

We study your financial situation and your borrowing capacity.

We find the best options

We compare different lenders to find the best young person's mortgage for you.

We negotiate on your behalf

We secure the best possible terms with the banks and coordinate the property valuation.

Te acompañamos hasta la firma

Te guiamos durante todo el proceso hasta la compra de tu vivienda.

+92% of success

in operations sent to banks.

Request your preliminary study

Can I access a young person's mortgage?

Age: generally up to 35 years old, although some banks extend the limit to 40 years old.
Stable income: salaried employee or self-employed with an established work history.
First primary residence: all mortgage products specifically designed for young buyers require the property to be your main residence.
No ASNEF or RAI records: a clean credit history is required, although we assess each case individually.
Maximum debt-to-income ratio of 35%: depending on the bank, your monthly mortgage payment should not exceed 35% of your net income, although we review all cases individually.

What youth mortgage can I get?

Experts in mortgage management

aFinance is a leading mortgage broker, leader in the management and negotiation of mortgage loans.

Over 0

years of experience

More than 0

professionals

Over € 0

M in transaction volume in 2025

More than 0

new clients in 2025

We negotiate for you

We work with all the banking institutions to get the lowest interest rate in the market for your mortgage.

Clients who have secured their young person's mortgage with aFinance

Discover how other young people have managed to finance their home with the help of aFinance

Laura M

I had spent months trying to get a mortgage from a bank with a permanent contract of less than a year. With aFinance I managed it in 5 weeks and at 95% financing. I couldn't believe it.

Martín F

What surprised me most was the speed. Within 24 hours I already knew whether my application was viable. I signed at the notary six weeks later. For my first mortgage, it was much simpler than I expected.

Irene y Carlos

We bought our first home together and didn't have the 20% deposit. aFinance explained the 100% financing options to us and handled everything without us having to visit a single bank. We would recommend them without hesitation.

Marta G.

My advisor accompanied me at every step and explained every clause before I signed anything. I never felt lost. On top of that, I got a tax benefit for being under 35 in the Basque Country — something I didn't even know existed.

Excellent review from our users

Frequently asked questions about youth mortgage

What is a young person's mortgage?

It is a financing option designed for people under 35 who want to buy their home with more flexible terms, such as higher loan-to-value ratios and longer repayment periods.

Is it possible to get 100% financing for a property?

Yes, depending on the applicant's profile, employment stability, and the property's valuation. At aFinance we analyse each case individually to help you secure up to 100% financing.

How long does the process take for a young person's mortgage?

It depends on each case and lender. We typically complete the process within 6 weeks once the property has been chosen.

What are the advantages of a young person's mortgage?

It allows you to buy a home with less initial savings, more manageable monthly payments, and potential tax benefits depending on your region.

Why manage a young person's mortgage with aFinance instead of going directly to a bank?

At aFinance we compare multiple lenders and negotiate on your behalf to secure better terms than you could obtain on your own, while also guiding you through every step of the process.

What do I need to be granted a young person's mortgage?

Lenders primarily assess employment stability, income, debt levels, and available savings. Each institution may apply different criteria, which is why at aFinance we prepare your application to maximise the chances of approval.

Can I apply for a young person's mortgage if I am self-employed?

Yes, it is possible. We assess recurring income, the length of your self-employment activity, and the financial stability of your business, then submit an optimised application to the most suitable lender.

What costs are involved in buying a property with a mortgage?

In addition to the mortgage loan itself, there may be costs such as the property valuation, notary fees, land registry fees, and taxes, depending on the region and type of transaction.

In your home, you make the decisions!

At aFinance, we understand that buying a house and securing a mortgage are important life decisions. That’s why we conduct your mortgage preliminary study 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.