• Saving time and effort: The mortgage advisor takes care of most of the paperwork and mortgage application paperwork.
• Personalized advice: The mortgage advisor helps you understand the different mortgage options and make the best decision for your financial situation.
• Access to better offers: The mortgage advisor has access to a wide range of mortgage products and can negotiate better terms with banks.

• If you have a complex financial situation. A mortgage consultant can help you find a mortgage that suits your special needs, even if you have had trouble obtaining financing in the past.
• If you are a foreigner and want to buy a property in Spain. A mortgage advisor with experience in non-resident mortgages can help you overcome language and cultural barriers and find the best financing for you.
• If you don't have the time or knowledge to handle a mortgage application on your own. A mortgage advisor can take care of the entire process, from finding the best offer to signing the deed.

Mortgage advisor fees vary depending on the complexity of the case and the time spent shopping for the best mortgage. Some advisors charge a flat fee, while others charge a percentage of the mortgage amount.

Mortgage loan counselors may charge fees in different ways:

From the customer With a fixed fee, a percentage of the mortgage loan amount, an hourly fee, an upfront fee for advisory services, etc.

From the bank for a commission from the bank or financial institution for the signing of the mortgage

It is important that the terms, financial conditions and fees between the client and the mortgage advisor are clearly and transparently reflected in a mortgage advisory services contract and, if applicable, in the financial institution's binding offer.

They charge at the time of signing the mortgage at the notary, some charge a small portion beforehand for their advisory services or charge an hourly rate for these services and the rest on the day of signing.

• What experience do you have in the Spanish mortgage market?
• What are your qualifications?
• What services do you offer?
• How much do your services cost?
• Which banks do you work with?
• What can you recommend for my particular case?

Yes, hiring a mortgage advisor can help you save money in several ways:

• Access to exclusive offers: Mortgage advisors have access to offers and products that are not available to the general public.
• Negotiation with banking entities: An experienced advisor can negotiate with banks to obtain better terms on your mortgage, such as a lower interest rate, lower fees or a longer amortization period.

With a reduced mortgage spread of 1.5% to 1.25%, you could save more than 10,000 euros on your 200,000 euro loan.

By choosing us, you are guaranteed transparency, success at every step of the mortgage process, and a team of experts dedicated to meeting your specific needs, as well as enabling you:

• Access to exclusive offers: Mortgage advisors have access to offers and products that are not available to the general public.
• Negotiate with banks: An experienced advisor can negotiate with banks to obtain better terms on your mortgage, such as a lower interest rate, lower fees or a longer repayment term.

Your Mortgage Advisor offers you a wide range of services to help you make the best financial decisions related to your home:

1. Mortgages for residents and non-residents:

• We help you find the mortgage that best suits your needs and budget, whether you are a resident or non-resident in Spain.
• We negotiate with banks to obtain the best possible conditions for your mortgage.
• We accompany you throughout the entire mortgage application and processing process.

Improvement of existing mortgages:

          If you already have a mortgage, we can help you improve the terms, such as interest rate, repayment term or fees. 

          We study your particular case and offer you the best options to optimize your current mortgage.

3. Accompaniment in the purchase of a home without a mortgage:

        If you are going to buy a house without financing, we will advise you throughout the buying and selling process.

• We manage the purchase documentation
• We domicile household bills and taxes.
• We introduce you to collaborators for any household need.

• We accompany you in the signing of the deed of sale before a notary.

4. Financial well-being:

• We analyze your personal and family financial situation to offer you a personalized plan to help you reach your financial goals.
• We help you optimize your expenses and income.
• We advise you in the planning of your investment.

5. Health Insurance 

       We broaden our range of services with health insurance, essential for the financial planning and well-being of our clients.

6. Insurance audit:

• We review your insurance policies to make sure you have the right coverage for your needs.
• We help you find the best insurance offers, such as health insurance.
• We negotiate with insurance companies on your behalf to obtain the best possible conditions.

You can contact us through our online form in the contact section of our website or by calling our phone number indicated in the contact information.

These are strategic agreements with leading companies to offer the customer a comprehensive service in the purchase of your home.

Banks, Real Estate Companies, Law Firms, Insurance Brokerage Firms, Appraisal Agencies, Notaries, etc.

We collaborate with the best banks, law firms and trusted advisors to provide you with a comprehensive and quality service.

Our client-centric approach, real estate expertise and transparent communication set us apart and allow us to provide you with a comprehensive and efficient service. Our client-focused approach, our experience in the real estate, mortgage and insurance sectors for both resident and non-resident clients in Spain, as well as our transparent and close communication distinguish us and allow us to provide a comprehensive and efficient service, accompanying the client throughout the mortgage process.

The process can take between 1 to 2 months until the signing of the mortgage depending on the characteristics and complexity of the mortgage.

No, you pay it, with a cost between 350€ and 500€. Some banks give you a bonus if you take out a mortgage with them. Consult your advisor to find out more.

It's very simple! Request a free 45-minute consultation by e-mail to hstuasesorahipotecaria@gmail.com WhatsApp at +34 64 93 09 146 . For the consultation you prefer, you can choose more than one service for your first consultation with Tu Asesora Hipotecaria:

We will help you find the best solution for your needs:

• Home purchase: We will look for the mortgage that best suits your profile.
• Mortgage improvement: I will help you find options to reduce your monthly payment or term.
• Financial well-being: I will give you tips to improve your financial health.
• Health Insurance or other : I will help you find the insurance that best suits your needs.

The first 45-minute free consultation is by video call and if you hire the services of Counseling and Accompaniment Service, you will enjoy a personalized and face-to-face accompaniment and advice for the areas of Alicante and surrounding areas.

Two options for your convenience!

1. Video call:

Platforms: Zoom, Teams, Google Meet, etc. Ideal for: Any geographic location. Comfortable and flexible: From the comfort of your home or office.

Face-to-face meeting:

Priority: Clients who have contracted the Advisory Service and Accompaniment Service in the geographical area near Alicante. Other cases: The possibility of face-to-face attention in the geographical area near Alicante will be assessed, depending on the availability of the Mortgage Advisor.

Your Mortgage Advisor is committed to your comfort and satisfaction!

1. Initial Consultation
2. Pre-qualification
3. Collection of Customer Documentation
4. Search for Solutions
5. Options Presentation
6. Formal Application
7. Evaluation of the Bank
8. Loan Approval
9. Closing of the Agreement
10. After-Sales Services

Countries EU and United Kingdom, United States, Canada, Denmark, Norway, Sweden, Poland, Switzerland, United Arab Emirates, Qatar, Saudi Arabia, Israel, Russia, Mexico

British Pound (GBP), US Dollar (USD), Canadian Dollar (CAD), Danish Krone (DKK), Norwegian Krone (NOK), Swedish Krone (SEK), Polish Zloty (PLN), Swiss Franc (CHF), United Arab Emirates Dirham (AED), Qatari riyal (QAR), Saudi Arabian Riyal (SAR), Israeli Shekel (ILS), Rouble (RUB), Mexican Peso (MXN)

Law 5/2019, of March 15, 2009, regulates real estate credit agreements, imposing specific restrictions for granting mortgages in currencies other than the Euro.

Pursuant to Article 20 of this regulation, mortgagors have the right to request the conversion of the currency of their loan at any time. Et is for this reason that many banks have decided to limit the granting of mortgages to residents of the Eurozone or countries with stable monetary policies, such as the United States, the United Kingdom and some Scandinavian nations.

Financing:

• FinancingNon-resident mortgages typically finance between 50% and 70% of the value of the property.
• Minimum entry: A down payment of 30% of the purchase price plus costs and taxes 
• Amortization periodThe maximum repayment term for non-residents is generally between 20 and 30 years without exceeding the customer's maximum age of 75 years.
• Monthly feeIt is recommended that the quota should not exceed 35% to 40% of the monthly income.
• Interest rate: Normally higher than for residents, due to the higher risk for the bank.
• Differential margin: Varies according to the bank, customer profile and characteristics of the property.

Non-resident mortgages generally have:

• Variable interest rate: The interest rate can go up or down during the life of the loan, following the reference index (Euribor).
• Some entities offer fixed rate: It provides stability in installments during a determined period.

The choice between fixed or variable depends on:

• Client profile: Stability vs. risk.
• Market expectations: Rise or fall of the Euribor.
• Financial situation: Ability to meet quota increases.
• Bank's internal policy

The maximum repayment term for a non-resident mortgage in Spain is usually 20 to 30 years.although it may vary depending on:

• Client's age: Some banks may reduce the maximum term for customers over 60 or 65 years of age.
• Bank policy: Each entity has its own criteria for determining the maximum amortization period.
• Interest rate: Fixed-rate mortgages may have a shorter maximum term than variable-rate mortgages.
• Value of the home: The maximum term may be shorter for higher value properties.