At Finzia Mortgage Solutions, we combine human expertise with technology to ensure you always have clear answers.
Our virtual assistant is available 24/7 to help with questions about our service, fees, or the mortgage process.
That said, below you’ll find answers to some of the most common questions that typically arise before taking the first step.
No. The feasibility study is completely free.
We analyse your situation, assess the real viability of the transaction and show you which conditions you could obtain before you make any decision.
Fees are only applied if the mortgage is ultimately approved and formalised through our intermediation.
The FINZIA 360 Method provides comprehensive support throughout the entire mortgage process:
from the initial feasibility analysis, preparation and validation of your application, negotiation with financial institutions, and advisory support in the decision-making process, through to signing and post-completion follow-up.
The feasibility study is free of charge.
Fees are only applied if the mortgage is approved and you decide to proceed with the signing through our intermediation.
The fee may be a fixed amount or a percentage, depending on the type of transaction, and is always disclosed with full transparency from the outset, as part of the preliminary simulation.
The FINZIA 360 Method is designed for people who want to purchase a property in Spain and need expert guidance to structure their financing, whether they live in Spain or abroad.
We work with salaried employees, self-employed professionals and investors, whether they are purchasing a primary residence, a second home or carrying out a real estate investment.
In every case, the method is tailored to the client’s personal situation, financial profile and type of transaction, providing a solution aligned with their real objectives.
Yes. The FINZIA 360 Method is also designed for non-residents who wish to purchase a property in Spain, either as a holiday home or as an investment.
We analyse the financial and tax situation of each non-resident client and structure the transaction according to the specific criteria applied by financial institutions for this type of profile.
The entire process is managed remotely, with clear and well-organised guidance, tailored to the specific needs of clients living outside Spain.
Yes. You can move forward with us even if you don’t speak Spanish.
We work with advisors who communicate directly in English, allowing us to guide you clearly and smoothly throughout the entire process.
For other languages, we use video call systems with simultaneous translation, so you can understand every step, resolve any questions, and make decisions with complete confidence, wherever you are.
Our goal is to ensure that language is never a barrier when managing your mortgage in Spain with peace of mind.
Unlike a bank, Finzia does not represent a single financial institution nor offer just one product.
We act as specialized mortgage brokers, analyzing and comparing different market options to identify the financing solution that best fits your profile, your goals, and the type of transaction you want to carry out.
We provide personalized support from the initial analysis through to signing, explaining each proposal in detail, negotiating terms, and helping you make informed and confident decisions.
Our approach combines human advice, deep industry knowledge, and technological tools to offer you a well-structured mortgage solution, aligned with your goals and delivered with full transparency at every stage of the process.
If the mortgage is not approved, no fees are charged for our service.
Our work begins with a rigorous preliminary analysis to assess the real viability of the transaction before moving forward, minimizing unrealistic scenarios from the outset.
If a transaction does not move forward, we explain the reasons with full transparency and, whenever possible, propose alternatives or adjustments to improve viability in the future.
Our commitment is to support you with professional judgment, even when the best decision is not to move forward at that time.
We work with a broad network of banking and financial institutions in Spain, including major national banks as well as specialized lenders depending on the type of transaction.
We do not apply standard solutions. We analyze your financial profile and the objectives of the transaction to select only those institutions whose conditions best match your specific situation.
This allows us to compare real market conditions and present you with well-structured, competitive proposals aligned with your real chances of approval.
It is not necessary.
At Finzia, we can start analyzing your financial profile and prepare a preliminary simulation even if you have not yet chosen a property.
Depending on the specifics of your case, we can also present your file to selected institutions to obtain a real preliminary viability assessment, allowing you to move forward with solid banking guidance before starting your property search.
This way, you move forward with a clear understanding of your financial capacity, greater confidence in decision-making, and a stronger position when you find the right property.
In certain cases, yes.
There are specific profiles that may qualify for financing close to 100% of the purchase price, such as career civil servants, young buyers who meet the requirements of certain public programs, or cases involving additional guarantees.
At Finzia, we analyze your situation in detail and, if the transaction is viable, we explore this option with the institutions that offer this type of financing.
Our guidance allows you to know from the outset whether this option is feasible in your case and how to structure the transaction correctly to increase the chances of success.
Yes. As part of the FINZIA 360 Method, we review the essential property documentation and the contracts prior to signing, so you can move forward with greater confidence and informed judgment from the outset.
We review key documentation such as the land registry extract (nota simple), property ownership, and the existence of any potential charges, as well as reservation or deposit agreements, helping you understand their content and implications before signing.
Our goal is for you to make well-informed decisions, avoiding premature commitments that could affect the financing or the progress of the transaction.
If necessary, we guide you so that you can obtain appropriate legal support before formalizing any agreement.
