Best mortgages in Spain for home buyers

We are more than a mortgage calculator

Our service includes 360-degree support from day one, so you can not only secure the best mortgage, but also make the best possible purchase.

We are so confident in the value we provide that we work on a 100% success-fee basis.

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Once you find the home you want to buy

We secure the best fixed-rate and mixed-rate mortgages for you.

Get your free mortgage assessment

Thanks to our free initial assessment, with no obligation, you will know how much you can buy for, what costs you will need to cover, and whether your project is financially viable.

Your assigned property advisor will carry out a detailed analysis of each shortlisted home on the market and deliver a valuation report based on an HVA, so you can buy at the right price and improve your chances of securing the best mortgage.

Once the technical and legal checks have been completed, your mortgage broker will help you negotiate the purchase price, the deposit amounts, the right timelines, the conditions of the reservation or deposit contracts, and any other important specific terms.

One of our technicians can visit the shortlisted properties to carry out a professional inspection, verify their condition, and detect possible defects or costs that were not initially identified.

Once the property has been visited and all documentation is available, our real estate lawyers will analyse the asset in detail to make sure it is a sound purchase and that there are no outstanding issues to review before you move forward.

We review or draft the purchase contract (arras) to make sure you do not waive any of your rights, with the support of our real estate legal team.

As mortgage brokers certified by the Bank of Spain, we are authorised to negotiate with any bank to secure the best mortgage for your buyer profile and transaction.

We are also the only free mortgage broker that supports you throughout the entire buying process.

We are the best mortgage broker for home purchase mortgages.

We coordinate all parties, review the signing process, check the final wording of the deeds, and verify the amounts for taxes, notary fees, land registry fees, and all related completion costs.

Naturally, we would never leave you alone at the most important moment.

We will be by your side at every stage, managing any last-minute issue and making sure everything is in order, with no unexpected changes that could affect your interests.

Our success stories

These are some of Homter’s success stories. We help you secure the right mortgage in an easy, fast, and commitment-free way.

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Case: a french couple & the full-Service guidance

Caroline & Guillaume

Sitges (Barcelona)

Saved: 40,000€

Buying a home in a foreign country is terrifying when you don’t know the banking system or the language. Spanish banks were incredibly slow and demanded documents we didn’t understand. Homter was our local compass. They handled all the bureaucracy and got us an amazing fixed rate. Having someone exclusively on our side guiding us step-by-step was priceless.
- Mortgage broker service in Sitges.
- Purchase price: 520,000€.
- Mortgage signed at 85% LTV (Fixed 30 years at 2.05% TIN).
CASE: American couple buying in Castelldefels

Sarah G. & Robert P. (USA)

Castelldefels, Barcelona

Saved: 58,000€

They offer an excellent service. They did a great job professionally tackling all the difficulties that arose during the buying process, especially regarding our foreign income. They helped us deal with a very pushy real estate agency and got us the best possible mortgage for our case.
- Intermediation with the real estate agency
- Financial viability analysis for foreign income
- Comprehensive document management
CASE: Self-employed buying in Poble Nou

Caroline B.

Poble Nou, Barcelona

Saved: 38,0000€

Buying in Barcleona was intimidating due to the high prices, but thanks to Homter we managed to negotiate the initial price down. Furthermore, they got me a very high financing percentage that my own bank had denied me because I am self-employed. I’m really greatful by how they handle the entire operation.
- Strategic price negotiation
- High LTV mortgage (90% financing for self-employed)
- Exclusive mortgage conditions (10-year mixed rate)
Case: the Beckham law resident & the illegal pool

Lars & Emma (Sweden)

Mallorca

Saved: 62,000€

We almost bought a luxury villa directly through a seller’s agency. Homter’s legal team stepped in and discovered the pool and guest house were built illegally and had pending fines. We walked away safely. When they found the right house for us, their mortgage brokers bypassed the local banks who didn’t understand our ‘Beckham Law’ tax status, securing us a 90% resident mortgage.
- Full Buyer's Agent Service.
- Risk Avoided: Inheriting unregistered (illegal) constructions.
- Mortgage signed at 90% LTV (Fixed 30 years at 1.85% TIN).

We negotiate the best mortgages

We negotiate your mortgage with Spain’s leading banks, helping you buy your home in record time.

Book the call for your future home

Free of charge and with no obligation, we will help you buy your future home at the best possible price, while saving you time, avoiding unpleasant surprises, and supporting you throughout the process.

In just 15 minutes, you will confirm whether your project is viable, and one of our home-buying specialists will answer all your questions.

By the end of the call, you will have a clear understanding of our service and receive a personalised summary with our proposal, so you can compare it and assess whether it is right for you.

Our service is 100% success-fee based and with no obligation.

15′

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Stop buying alone. Start with an advantage

Do not leave your biggest investment to chance. You have an expert ready to help you find, negotiate, and finance your future home.

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