Your mortgage broker in Barcelona

Because your bank will always offer you their mortgage, not the one that suits you best. At Homter, we go directly to the central channels of Spanish banks—not the street-level branches—to make the entire market compete and get you the best national financial conditions. The great advantage is that we combine this massive financial power with our deep local real estate knowledge: we evaluate if the apartment in your Barcelona neighborhood is priced correctly, audit it technically, and negotiate the purchase for you.

Our mortgage broker service in Barcelona is transparent and 100% success-based. The initial consultation, case assessment, and mortgage simulation are completely free. We only charge our fees if you successfully buy the property and sign the mortgage with us.

Yes. Although Spanish banks typically ask non-residents or expats for a 30% down payment (plus 10% for taxes), our mortgage department can secure much better terms. If you are a resident, have a solid financial profile, or are under 35, we can negotiate financing above 80% LTV (Loan-to-Value).

A free mortgage broker usually recommends the banks that pay them the highest commission, making you the product. At Homter, as your local experts in Barcelona, we don’t just look for money: we audit the house and protect your interests from start to finish, getting fully involved both technically and legally in your purchase.

Our legal team verifies mandatory documents specific to Catalonia before you sign anything. This includes confirming that the property has a valid Cédula de Habitabilidad (Certificate of Occupancy) and auditing the ITE (Technical Building Inspection) certificate to ensure you don’t inherit structural problems or upcoming community debts (derramas).

Yes, but always strategically and based on objective data. In a high-demand market like Barcelona, where good opportunities disappear in days, making an aggressive low-ball offer usually means losing the house. As your broker and local agent, we first analyze the real value of the area to avoid an overpaid purchase. If the price is inflated or our technical visit detects defects, we will use that information to negotiate a justified reduction. However, if the house is worth the asking price, our priority will be to protect the deal and close it quickly so you don’t lose it.

Your money is protected. As your mortgage broker, we make sure to draft or review the Arras contract, always including mortgage protection clauses (Condition Suspensive). If the bank denies the operation or the official valuation comes in low, you will not lose your savings.

e offer our mortgage broker and buyer’s agent services both in the city of Barcelona and throughout its metropolitan area (Sant Cugat, L’Hospitalet, Badalona, Castelldefels, Sitges, etc.). We know the real prices of the different districts and towns to help you buy safely anywhere in the province.

Absolutely. Homter is registered with the Bank of Spain’s State Register of Financial Intermediaries (Nº D059). Furthermore, we are registered in the Register of Real Estate Agents of the Generalitat de Catalunya (AICAT nº 8187), which guarantees maximum legal security for your operation.

Traditional bank branches are usually very restrictive with complex profiles, foreign income, or Digital Nomads. However, our mortgage brokers specialize in solving these cases. We act as your “financial translators”: we validate your financial profile, and we know exactly which banking entities to approach and how to present your file to secure approval.