Mortgage Málaga

We arrange your mortgage free in Málaga if you buy with Valoracasa

Once we've built a profile, we'll submit the mortgage to several banks and negotiate the terms for you, without you having to worry or waste your time. We we'll keep you informed in real time and help you choose the mortgage that suits you best, supporting you at every stage and acting as your direct link with the banks.

Get your mortgage in Málaga at the lowest interest rate

At Valoracasa we want to help you buy your home and give you a complete service:

• We act as intermediaries with the main banks, we guarantee you the best terms on the market for your mortgage and present you with several offers to choose from.
• Our mortgage department will advise you free of charge on the different options for your profile and get you the highest loan-to-value at the lowest interest rate.
• We can advise you by phone so you don't have to travel, or visit at any of our offices.

Mortgage Manager in Málaga

The Best Mortgages in Málaga

We help you get the best mortgage in Málaga for your circumstances. Ask us for free and find out which type of mortgage suits you best:

Mortgages in Málaga by deposit

We'll get you the best mortgage for the deposit you have. We can get up to 100% financing depending on your circumstances:

Mortgages in Málaga by circumstances

We adapt to you and get you the mortgage you need:

Other Mortgages in Málaga

We explain other, less common types of mortgage that may better suit your needs:

5 tips for getting the best mortgage in Málaga

One of home buyers' biggest concerns is the mortgage, which has an average life of more than 20 years in Spain. Most of these buyers need financing and depend on the the bank's approval, so choosing the right one is essential. 

Getting a mortgage is relatively easy if you have a job and no previous debts. Getting a good mortgage, however, is harder. That's why we give you 5 tips to find your ideal mortgage without losing hope:

1. Meet the requirements for a mortgage

Before applying for a mortgage, you need to know whether you meet the requirements. The lender will ask you for a number of documents to check your solvency and real ability to repay the loan.

Banks also require at least a permanent contract with at least 6 months' service, and the repayment must not exceed 35-40% of total income.

If you meet these requirements, you should be able to get a mortgage without any problem.

2. Have your own savings

Most banks finance 80% or 90% of the purchase price, so the client must contribute at least 20% from their own savings. Some lenders ask the client to prove beforehand that they have these savings in their own account.

3. Decide what type of mortgage you want

You need to be clear about what what suits you best for your personal situation and which mortgage benefits you most: fixed or variable repayment, term, loan-to-value you need, maximum amount to finance, etc. 

Don't go in blind when applying for a mortgage: decide beforehand exactly what you need precisely to avoid problems.

4. Negotiate the best mortgage with the banks

When you have several offers from banks, negotiate directly with them so they improve the terms, with the aim of getting the best mortgage.

Having several offers is a good way to put pressure on lenders to improve the initial mortgage.

5. Buy a home with a high valuation

The The valuation is also important when applying for a mortgage. The higher the valuation compared with the purchase price, the better the terms the bank will offer you.

If, on the other hand, the valuation is below the purchase price, you'll have to put in more of your own savings and you'll have less room to negotiate good terms.

To find out more, visit our Mortgage Advice, Calculate your mortgage page on our website or contact us on 695033558 or by email at cruzhumilladero@valoracasa.es

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