How it works
What happens next?
Start pre-check
Complete the pre-check form, answer short questions about the property & finances, we confirm what’s next.
Send the essentials
Passport or NIE, proof of income, employment type, and any existing debts. Secure upload available.
Initial viability in ~48 hours
Once essentials are verified, the broker gives a yes/no within 48 hours and a short checklist for next steps.
Build the case and submit
We assemble a lender-ready file with the broker, gather any remaining documents, and submit to banks.
FAQs
Questions, answered
Quick answers about the calculator, pre-check, and what happens next.
What does this calculator estimate?
It gives an indicative monthly payment, the deposit you may need, and a rough maximum loan for the price and term you choose. It is a guide, not an approval.
How accurate are the numbers?
They use market ranges and typical lender rules. Your final rate and terms depend on your documents, the lender, and the property valuation.
Does using the calculator affect my credit?
No. There is no credit check to use this tool.
Is the result a mortgage approval?
No. It is illustrative. The broker confirms what is realistic after a pre-check and a review of your documents.
Which interest rate does it use?
There is a default example rate. Adjust the rate slider to test scenarios. The broker will quote product-specific rates after the pre-check.
Can I change the rate, deposit, term, or price to see the effect?
Yes. Use the sliders to model different scenarios and see how the monthly payment and loan amount change.
Can non-residents use this calculator?
Yes. It is designed for both residents and non-residents. Actual LTV and rates vary by profile and lender.
Does it include purchase taxes and closing costs?
No. It focuses on the mortgage. Purchase taxes and closing costs vary by region and property type. Your lawyer or gestor will confirm a precise figure.
What documents turn a calculation into an offer?
Passport or NIE, proof of income, recent bank statements, details of debts, and a link to the property. Self-employed buyers may need tax returns and accounts.
Can I save or share my calculation?
Yes. Add your name and WhatsApp to unlock the full breakdown. We send your results to WhatsApp and email and attach them to your file.
Why is my monthly payment different from other sites?
Different tools use different assumptions. Some include taxes or insurance. Ours shows the mortgage payment only based on the inputs you choose.
Does the calculator assume repayment or interest-only?
Standard repayment. It does not model interest-only. Some alternative lenders may offer interest-only on a case-by-case basis.
What does the LTV label mean?
It is a broad indicator of leverage based on your deposit. Final LTV depends on eligibility, valuation, and bank policy.
Do I need a specific property to use it?
No. You can use a target price to get a sense of budget. For an offer, the broker will need a specific property link.
What is the next step after I get a number?
Start a pre-check. We verify the essentials within about 48 hours on business days and the broker confirms realistic options.
Will you contact me after I use the calculator?
Yes. If you add your WhatsApp we send your results and next steps to WhatsApp and email. You can opt out at any time.
Which areas does the calculator apply to?
Spain-wide. We focus on the Costa del Sol but can support other regions.
