Enjoy your property
with the best mortgage rates

We are rewarded only by the success of the operation. That is, as long as you have not signed the purchase-sale transaction before a sollicitor, you will not have to pay the invoice. The Mejor Interés fees correspond to 1% of the amount financed with a minimum of 2,500 euros VAT included. In the case that you did not get through the bank which we suggested to you or which we only had financing rejections: you will not owe us anything. Our help is from on until the contract is signed in front of a solicitor and our aim is the achievement of your project. We matter about everything and we will be your only interlocutor.

The director is LLUIS COMA, senior industrial engineer. He can speak Catalan, Spanish, French and English. He is a real estate loan broker in France and Spain.

Yes, we can renegotiate your current loan. Ask us and we will look for what solutions we can offer you. Fixed rate loans are recommended for those who wish to benefit from fixed monthly payments throughout the time of the loan, they are called constant installments. Without caring about the value of the EURIBOR indicator that changes every day.

Yes, this is possible under certain conditions, because not all banks want to finance the same profiles or under the same commercial conditions. We are specialized in obtaining the best commercial conditions for our customers. We know how to put together the file, how to submit to the bank and how to apply for it.

We can speak Catalan, Spanish, French and English correctly. We can understand Italian and Portuguese but we can’t speak these languages currently.

We have several contact channels. We recommend to use electronic mail. We will then contact you by phone through the week from 8:30 a.m. to 8:00 p.m.; within a maximum period of 2 business days.

The deadlines for obtaining a real estate loan are variables according to the file and the date of obtaining the necessary supporting documents to set up a file. (During holidays, deadlines may be extended due to the reduced number of staff in banks). As a general rule, two weeks at least are needed to have an agreement in principle from the bank.

We will save you time and money. As the conditions that your current bank can offer you are not the same commercial conditions as those that we have already negotiated with our banks. You would only negotiate a single loan while Mejor Interés negotiates hundreds of thousands. In addition, other banks are ready to attract new customers and, if necessary, we are able to improve the conditions of their current bank. Therefore, we will negotiate with all the banks until we get the best financing.

The first thing we must do is analyze your current financial situation. We will examine your current and future debt level, choose which strategy to implement and tell you the maximum purchase value of your home and the minimum time needed for the solicitor appointment.

Next, you will need to find this property and set the purchase price.

From there, we will find the best real estate loan for you and we will accompany you until the signing before a solicitor.

Banks do not offer the same rates to everyone and they are also careful with the types of real estate transactions. For Spanish banks, the result of the appraisal is essential, work carried out by an “Appraiser” approved by the Bank of Spain. Banks will choose the lower value between the purchase price and the result of the Appraisal to calculate the amount loaned.

The first thing you should do is to analyze your current financial situation. We calculate your present and future debt level, what strategy to implement and we will tell you the maximum purchase value of your purchase and the time necessary for the signature in front of a solicitor.

Once you have found this property and negotiated the purchase price, the Mejor Interes team will then negotiate with the banks and accompany you until you become an owner.

Banks do not offer the same rates to everyone and they are also careful with the types of real estate transactions. For Spanish banks, the result of the appraisal is essential, work carried out by an “Appraiser” approved by the Bank of Spain. Banks will choose the lower value between the purchase price and the result of the Appraisal to calculate the amount loaned.

The first thing you should do is to analyze your current financial situation. We calculate your present and future debt level, what strategy to implement and we will tell you the maximum purchase value of your purchase and the time necessary for the signature in front of a solicitor.

Once you have found this property and negotiated the purchase price, the Mejor Interes team will then negotiate with the banks and accompany you until you become an owner.

Today in the Spanish mortgage market regulated by Law 5/2019, of March 15, it includes 3 types of mortgages:

• Fixed interest mortgage: The interest is constant. This means that you will benefit from constant monthly payments. It is what we recommend in the great majority of the files we process for a greater security for future borrowers. This is even more true today, in an era of inflation.
• Variable rate real estate loan: The interest rate is variable and usually has no ceiling. It means that you do not know in advance the future monthly payments, since you do not know in advance what the value of the EURIBOR indicator will be on future dates.
• Mixed mortgage: It is the sum of the previous 2. During the first repayment period it is at a fixed interest, and for the second one your repayment date it is at a variable interest.

The minimum period is 30 days for certain profiles and purchases. However, as a general rule, at least 2 months are needed, for complex or international files more likely 3 months and for some up to 4 months. Before signing the “Contrato de arras” in Spain or the “Promesse de vente” in France, it is better to consult us. Because each project is a unique project.

It is recommended not to dedicate more than 1/3 of your monthly net income to paying your fees. For example, if you earn 1500 euros net; then it is recommended not to exceed monthly HA payments (without insurance) of 500 euros.

Nowadays there are multiple reasons that can lead bankers to reject your financing and it is up to us to explain them to you before negotiating the “Early Deposit Contract” or the “Promesse de Vente”. You should know that in certain regions of Spain, the suspensive condition for obtaining financing is not mandatory when drafting the “Reserva”, the “Contrato de arras” or the “Promesse de Vente”; Among the reasons we could have, for certain banks:

• Monthly payments (Installments) too high.
• Debt level too high.
• There is not enough left to live.
• LTV too high.
• Poor bank account management.
• Bad strategy.
• Failure to bring the requested supporting documents.
• Be a person registered with the Banque de France (FICP) or the Bank of Spain (CIRBE), for example.
• Non-recurring income
• Others.

The moment it is up to you to determine it. However, I suggest you talk to us personally starting today. Because the sooner we look after of your case, the better we can act.

The more we know about you (if you are alone to buy or with other people) or about the purchasing company (if you decide to buy on behalf of a company), the better we can defend your interests. We are not a computer. This website is just the beginning of a process with personal and qualified treatment, which will allow you to find the best commercial conditions for your purchase, saving time, money and anything else. At the same time you will get to know a lot of interesting points about real estate loans from Spanish and French banks.

This support starts now and will end when you sign in front of a solicitor, that is, once you are the owner. It is a total support. This means that we will guide you through the process and be your single point of contact. Depending on your needs, we will offer you, if necessary, several banking proposals so that you can finally choose the one which you suits you best. Previously, we’ll tell you all the positive and negative points of each banking proposal received. The ideal is that you let us negotiate even with your bank, so that we can also include it in the negotiation table, with the other banks.

It all depends on your client profile, the type of operation you want to carry out, as well as the characteristics of your “Ideal Mortgage” while we classify them in order of preference.