Our virtual assistant is available 24/7 to answer any questions about our services, fees, or the mortgage process.
Still, these are some of the most common questions you may have before getting started.
No. The initial analysis is completely free. We only charge fees if we secure the financing and you decide to sign the mortgage through Finzia.
We only charge fees if we secure your mortgage and you decide to sign it. The amount can be fixed or a percentage, depending on the type of transaction, and we always inform you in advance in the preliminary simulation.
Our service is aimed at people seeking financing to buy a home in Spain, whether they reside in the country or abroad.
We assist employees, self-employed individuals, and investors, whether they are buying their first home, a second residence, or making an investment-related transaction.
In all cases, we adapt the mortgage strategy to the specific characteristics and goals of each client.
Yes. At Finzia, we work with non-resident clients who wish to buy a property in Spain, whether for personal use, vacation, or investment.
We manage the entire process remotely, with an agile, digital approach fully adapted to the needs of those living outside the country.
Yes. At Finzia, we have a video call system with simultaneous translation that allows us to assist you in your language, wherever you are.
Gracias a la tecnología de traducción en tiempo real, podrás hablar con uno de nuestros gestores y recibir asesoramiento claro y personalizado, aunque no hables español. Actualmente ofrecemos este servicio en inglés y, próximamente, en más idiomas.
A convenient, professional and barrier-free way to accompany you throughout the mortgage process.
Unlike a bank, at Finzia we are not tied to a single institution, nor do we offer you a single product.
We act as specialised intermediaries, comparing multiple options on the market to find the mortgage that best suits your situation and objectives.
We act as specialised intermediaries, comparing multiple options on the market to find the mortgage that best suits your situation and objectives.
We provide personalised advice from the initial analysis to the signing of the contract, helping you to understand each proposal, negotiate better terms and make decisions with complete confidence.
If, after analysing your case and submitting your application, we are unable to obtain approval for the mortgage, we will not charge any fees.
Our model is based on a commitment to results: we only charge if we secure financing and you decide to sign with our intermediation.
En cualquier caso, te explicamos con total claridad los motivos por los que la operación no ha sido viable y, si es posible, te orientamos sobre los pasos que podrías dar para fortalecer tu perfil y volver a intentarlo más adelante.
Sometimes, small adjustments in declared income, job stability or the percentage of financing can make all the difference.
Our goal is that, even if it is not feasible today, you have a clear path to achieving it in the future.
We collaborate with a wide network of banking institutions in Spain, including the main national banks and some specialised institutions.
We do not limit ourselves to a single option: we analyse your profile and financial objectives to select the institutions that best suit your specific situation.
This allows us to compare actual conditions and present you with personalised proposals that increase your chances of approval and enable you to obtain a truly competitive mortgage.
It is not necessary.
At Finzia, we can begin analysing your financial profile and carry out a preliminary simulation even if you have not yet chosen a property.
Furthermore, depending on your circumstances, we can submit your file to some of our partner institutions to obtain a preliminary feasibility assessment, which will allow you to obtain a preliminary bank pre-approval before starting your search.
This will give you a clear picture of your financial capacity, greater confidence when making decisions, and more bargaining power when it comes to finding the ideal property.
In some specific cases, yes.
There are certain profiles that can access financing of close to 100% of the purchase price, such as career civil servants or young people who meet the requirements of public programmes or complementary guarantees.
At Finzia, we analyse your situation and, if feasible, we propose this option to the entities that consider it.
With our advice, you will know from the outset whether this option is right for your situation and how to structure the transaction correctly to achieve it.
