The bank tells you that their product is the best. Have you stopped to compare? We give you an external look at the mortgage you want to apply for or the one you already have, wherever you are in Catalonia. No ties to any bank.
A mortgage shapes your finances for decades, yet it is often arranged in a matter of weeks, under time pressure and with information supplied by only one lender.
That is where we come in. We review your circumstances, compare genuine market options and explain the implications of each one. We are not tied to any bank; the decision remains yours.
Long-term decisions · external view
We take the time to get it right
Every mortgage has a context: the property, your circumstances and the timing of the market. That’s why we don’t start with the numbers, we start with the right questions.
We begin with what you want, what concerns you and what may change in the years ahead. Only then do we work through the figures.
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.
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.
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What’s included · click to discover
We analyze your borrowing capacity and give you a realistic range of what you can ask for before you talk to any bank.
ReturnWe put on the table the reasonable alternatives of the market: rates, terms, commissions and bonds. No favouritism.
ReturnWe review the deed proposal, help you understand the important clauses and resolve your doubts before the day of signing.
ReturnIf you already have a mortgage, let’s see if the terms are competitive and assess whether it’s worth renegotiating or subrogating. If it doesn’t fit, we’ll tell you too.
ReturnWhether it’s a new mortgage or a review of the one you already have, we do a first assessment without obligation. You decide with all the clear information on the table.