Mortgages and housing
Feasibility study, offer comparison and support through to signing, for residents and non-residents.
What is included
Fixed, variable or mixed
Switching and renegotiation
Second homes
Who it is for: For anyone buying a first home, moving, wanting better terms on an existing mortgage, or buying from outside Spain.
What is worth knowing
01
Fixed, variable or mixed
With a fixed rate the instalment never changes. A variable rate is Euribor plus a margin and is reviewed periodically. A mixed rate starts fixed and later becomes variable.
Products Agustín can arrange for you
Fixed-rate mortgage
The same instalment for the whole term.
Variable-rate mortgage
Euribor plus a margin, reviewed periodically.
Mixed-rate mortgage
A fixed rate for the first years, variable afterwards.
Mortgage for young buyers
Higher financing for a first home, with a guarantor or the public ICO guarantee.
Non-resident mortgage
Buy a home in Spain while living abroad.
Moving-home mortgage
Buy your new home while you sell the current one.
Self-build mortgage
Finances building your own home against the construction budget.
Equity release
Borrow against a home you already own, for renovations, studies or other needs.
Reverse mortgage
For people over 65: a monthly income secured on the home.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
French method · fixed rate
Simulate your mortgage
Indicative calculation using the French method. The real rate depends on the lender and your profile.
20 % · purchase costs are separate
Within the usual reference used by lenders. Common reference: up to 80%.
Monthly payment
€1,138
300 payments · 3.00 %
Total interest
€101,432
Total to repay
€341,432
Year 25 / 25
Principal repaid
€240,000
Interest paid
€101,432
Outstanding
€0
Compare terms
Same amount and rate, different term
Informative simulation with no contractual value or binding offer. It excludes fees, taxes and related insurance.
How we work
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
Support
I support you through the process and review progress with you when your circumstances change.
What to bring to the meeting
- ID/NIE
- Recent payslips or tax return
- Property details (if you have one)
Watch out for
Compare the APR (TAE), not just the interest rate: it includes fees and the products you are tied to.
Discounts for taking insurance or other products only pay off if they cost less than you save.
Check the early repayment fee: the law sets different maximums for fixed and variable mortgages.
Frequently asked questions
It means moving your mortgage to another lender offering better terms. The new lender handles the paperwork and your current lender may match the offer within a legal deadline. It differs from renegotiation, which changes terms with your own lender.
General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.
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Deposits, funds and savings plans matched to your horizon and risk tolerance.
Talk about thisShall we look at your own case?
A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.
General information only. It is not personalised advice or a contractual offer.