Free resources
Calculators, simulators and a practical guide to putting numbers to your decisions before you talk to anyone. Free, without registration and without obligation.
Tools · try it yourself
Move the controls and look at the numbers. They will give you a first idea — then, we look at your case calmly.
Calculator
Simulator
These figures are indicative and do not constitute an offer. Your actual payment will depend on your profile, the lender’s rate, any bundled products and associated costs. For an analysis of your specific case, let’s talk.
Tool · real cost of buying a flat
Taxes and expenses must be added to the price of the property. Here is a first estimate with indicative figures common in Catalonia.
Purchase expenses
Indicative calculation based on the usual figures in Catalonia in 2026. The actual tax rates depend on your situation and the moment; notary, registration and management vary according to the operation. For an exact calculation in your case, let’s look at it together.
Simulator · long term savings
Regular monthly saving over a longer period can make a meaningful difference. Explore the effect using your own figures.
Compound interest
Mathematical simulation of compound interest with constant return — not a forecast or an offer. No unsecured investment offers guaranteed returns. Markets fluctuate and actual profitability depends on products, terms and timing.
Quick test · 1 minute
5 yes or no questions. None of your data is left anywhere. Just for you, to see where you are.
Have you compared at least 3 mortgage offers from different banks?
Do you know the difference between the nominal interest rate (TIN) and the APR (TAE) shown in your offer?
Do you know the fees for full and partial early repayment?
Have you read the draft mortgage deed before the signing date?
Do you know which linked products (insurance, accounts, plans) you will accept and how much they cost you annually?
PDF · free
Free guide
A practical guide covering seven points to review before you go to the notary.
These tools provide an initial indication. For an assessment that considers every aspect of your circumstances, arrange a no-obligation conversation with us.