{"id":1077,"date":"2025-08-26T11:28:12","date_gmt":"2025-08-26T11:28:12","guid":{"rendered":"https:\/\/finziash.com\/2025\/08\/26\/what-documentation-do-you-need-to-apply-for-your-mortgage\/"},"modified":"2025-10-06T09:42:37","modified_gmt":"2025-10-06T09:42:37","slug":"what-documentation-do-you-need-to-apply-for-your-mortgage","status":"publish","type":"post","link":"https:\/\/finziash.com\/en\/2025\/08\/26\/what-documentation-do-you-need-to-apply-for-your-mortgage\/","title":{"rendered":"What documentation do you need to apply for your mortgage?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>A clear and professional guide to successfully preparing your application.<\/strong><\/h2>\n\n<p>When you decide to take the plunge and buy a home and need financing, one of the keys to moving forward quickly is to have your documentation well prepared. A complete, structured and professional file not only avoids delays, but also improves your chances of approval and puts you in a better position with the banks. <\/p>\n\n<p>At Finzia, we clearly explain what documentation is usually required by financial institutions, depending on your profile.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>General documentation (applicable to all profiles)<\/strong><\/h2>\n\n<p>This information is essential for any mortgage application:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Valid national identity card or foreign resident identification number<\/li>\n\n\n\n<li>Marital status and family register (if applicable)<\/li>\n\n\n\n<li>Latest income tax returns (IRPF)<\/li>\n\n\n\n<li>Updated employment history report<\/li>\n\n\n\n<li>Bank statements for the last 3-6 months<\/li>\n\n\n\n<li>Information about other current loans, debts or guarantees<\/li>\n\n\n\n<li>Proof of savings\/initial contribution (if applicable)<\/li>\n\n\n\n<li>Deposit or reservation agreement (if already in place)<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>If you are an employee<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Employment contract<\/li>\n\n\n\n<li>Last 3 payslips<\/li>\n\n\n\n<li>Company certificate (in some cases, to confirm length of service or type of contract)<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>If you are self-employed<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Quarterly and annual VAT and income tax returns (forms 130, 131, 303, 390, etc.)<\/li>\n\n\n\n<li>Full income tax return (IRPF)<\/li>\n\n\n\n<li>Annual summary of income and expenditure<\/li>\n\n\n\n<li>Social Security contribution receipts<\/li>\n\n\n\n<li>Certificate of registration on the electoral roll (form 036\/037)<\/li>\n<\/ul>\n\n<p>At Finzia, we carefully structure your file so that it clearly reflects the solvency and stability of your business, which is key for banks.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>If you are an investor or owner of other properties<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Property deeds<\/li>\n\n\n\n<li>Rental agreements (if you receive income)<\/li>\n\n\n\n<li>Declaration of this income on your income tax return<\/li>\n\n\n\n<li>Statements or receipts for current mortgages<\/li>\n\n\n\n<li>Valuations or appraisals (if any)<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>If you are not a resident of Spain<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Valid identity documentation in your country of residence<\/li>\n\n\n\n<li>Proof of income and employment status (contracts, payslips, foreign tax returns, etc.)<br\/><\/li>\n\n\n\n<li>International bank statements<\/li>\n\n\n\n<li>Sworn translation of documents (if they are in a language other than Spanish)<\/li>\n\n\n\n<li>Proof of connection to Spain (e.g. reservation contract or interest in property)<\/li>\n<\/ul>\n\n<p>At Finzia, we manage mortgages for non-residents with a digital approach tailored to each country, facilitating the entire process remotely.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>Final tips<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Submitting a clear, digitised and well-organised file makes all the difference.<\/li>\n\n\n\n<li>Each bank may require additional documentation, so it is essential to seek professional advice.<\/li>\n\n\n\n<li>At Finzia, we take care of helping you every step of the way, from the initial analysis to the delivery of all the necessary documentation to the entities.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>Would you like to know if you are eligible for a mortgage?<\/strong><\/h2>\n\n<p>At Finzia, we can carry out a <strong>preliminary feasibility<\/strong> study even if you have not yet chosen your property.<br\/>Our team will guide you so that you can make informed decisions, with support and complete security.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A clear and professional guide to successfully preparing your application. When you decide to take the plunge and buy a home and need financing, one of the keys to moving forward quickly is to have your documentation well prepared. A complete, structured and professional file not only avoids delays, but also improves your chances of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What documentation do you need to apply for your mortgage? - Finzia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finziash.com\/2025\/08\/26\/guia-rapida-documentacion-que-necesitas-para-pedir-una-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What documentation do you need to apply for your mortgage? - Finzia\" \/>\n<meta property=\"og:description\" content=\"A clear and professional guide to successfully preparing your application. 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