We negotiate on your behalf with the banks operating in Catalonia to secure the mortgage with the best market conditions, saving you time and money.
As a mortgage broker in Barcelona, we make the banks compete so that you sign the best possible mortgage: lower spread, fewer fees and no abusive tied products.
Applying for a mortgage on your own means accepting a single bank's offer, without knowing whether another lender would give you a better interest rate. We present your case to several banks operating in Catalonia at the same time and negotiate on your behalf, both for fixed, variable or mixed-rate mortgages and for special cases: non-resident mortgages, second homes, self-build or remortgaging (subrogation). If you are in the middle of a purchase, we coordinate the financing with the signing of the earnest money contract and with the property purchase so the timelines fit.
An independent broker does not defend any bank's interests — only yours. We compare dozens of products at once and use our transaction volume to negotiate what an individual cannot achieve alone.
We access preferential agreements with banks for solvent profiles, including financing above 80% and the removal of tied products.
We speak the language of banking risk. We present your case to the right departments and force competition between banks in your favour.
We study your income, savings, tied products and debt level to define the financing you can realistically obtain and the optimal monthly payment.
We present your file to the right banks, compare tied products and negotiate the spread, fees and discounts until we close the best offer.
We coordinate the property valuation, review the binding offer (FEIN) and verify that the bank honours what was agreed before moving to the notary.
We accompany you to the signing and review the deed so that no unexpected clauses or costs appear.
Enter your details and get an instant estimate of the financing, the monthly payment and your financial effort. Then request a free, tailored study.
Tell us about your transaction and we'll start the feasibility study today, with no commitment.
We work on a success-fee basis: you only pay if we obtain a mortgage with better conditions than you would get on your own. At the first meeting we give you a fixed amount, with no surprises or hidden costs.
For solvent profiles and certain transactions (for example bank-owned properties, additional guarantees or a second mortgage guarantee) it is possible to exceed the usual 80% and even reach 100% plus costs. We analyse your profile to determine the financing you can realistically access.
After analysing your profile we usually present the first bank offers within 7-10 days. Signing depends on the valuation and the bank, normally between 4 and 6 weeks from the application.
Yes. We arrange mortgages for non-residents buying property in Barcelona, coordinating the NIE, bank account opening, international documentation and the applicable taxation. For non-residents, financing is usually around 60-70% of the value.
Typically: ID or NIE, recent payslips (or income tax returns and quarterly filings if you are self-employed), employment contract, work-life report, bank statements, receipts of other loans and the earnest money contract or the Land Registry extract of the property. We prepare the file to present it in the best possible way.
As a general rule, the mortgage payment should not exceed 30-35% of your net monthly income, and the bank usually finances up to 80% of the appraised or purchase value (whichever is lower). Our calculator gives you a first estimate and then a personalised study.
The bank only offers you its own product; an independent broker compares dozens of lenders at once and negotiates the spread, fees and tied products using their transaction volume. The savings over the life of the mortgage usually far exceed the cost of the service. Compare options on our best mortgages page.