Truly independent
We belong to no bank and we don't charge you for pushing you towards a specific institution. Our only objective is that you pay as little as possible, and we put it in writing.
+350
families advised
95 %
approved operations
Independent mortgage advisors
Your home, with the mortgage cheapest of the market.
Your bank offers you a mortgage. We compare more than 20 entities, negotiate the interest rate and the linked products on your behalf, and we accompany you until the signing at the notary.
+20
banks compared
0 €
if you don't sign a mortgage
24 h
first response
Example study
200,000 € · 30 years
-
Bank A · your bank
TIN 3,10 %
854 €/month
-
Bank B
TIN 2,85 %
827 €/month
-
Negotiated
Bank C
TIN 2,40 %
780 €/month
Estimated total savings
26.640 €
Why an advisor
A tenth of interest is thousands of euros. And the bank won't tell you.
When you go to the bank alone, you negotiate with just one offer and without knowing what the competition is offering. We work for you, not for any bank: we know the real conditions of each institution and know where to push.
The result: better interest rate, fewer linked products, zero unnecessary fees and someone who takes care of the paperwork while you choose the sofa.
How it works
From 'I want to buy' to the keys, in 4 steps
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Feasibility study
We analyse your income, savings and debts to find out how much you will be able to borrow and under what conditions. Free of charge.
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We compare +20 banks
We present your operation to the entities that best match your profile, without you having to step into a branch.
-
We negotiate and explain to you
We pit offers against each other and show you clearly how much you will really pay with each one.
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Sign at the notary
We review the FEIN and the deed, and we accompany you on the day of the signing. No surprises.
Savings calculator
How much can you save?
Move the values and compare the monthly payment your bank offers with a negotiated offer. This calculation is indicative; your real study we do together.
Monthly payment from your bank
—
Negotiated monthly payment
—
Total savings over the life of the loan
—
— less per month
- Loan amount
- —
- Financing (LTV)
- —
- Approximate purchase costs
- —
This is an indicative simulation using the French amortisation system. It does not constitute a binding offer.
Advantages
Everything you gain by working with us
Better interest rate
Offers that don't appear on the bank's website.
Fewer tied products
Insurance and products only if they benefit you.
We handle the paperwork
Documentation, valuation, FEIN, notary… you only sign when everything has been reviewed.
Up to 90–100% financing
If you're young or have a good profile, we look for lines with guarantee or higher financing.
Transparent fees
We only charge you if you get your mortgage
- Initial study and comparison: free of charge
- Fees agreed in writing before starting
- If there is no signing at the notary, you pay nothing
From
1.500 €
at signing · VAT included
On average, the savings achieved multiply by 10 the fees
Why don't I go directly to my bank?
You can, but you will be negotiating with a single offer. By presenting your operation to several entities at the same time, banks compete for you and the conditions improve.
How much savings do I need to buy a property?
It is usual to contribute 20% of the price plus 10–12% of costs and taxes. Depending on your profile and the autonomous community, there are financing options up to 90–100%.
Fixed, variable or mixed rate?
It depends on your risk tolerance, the term and the expected evolution of the Euríbor. In the study, we show you scenarios for each modality with real numbers.
I'm self-employed, can I get a mortgage?
Yes. Self-employed people need a more careful presentation of the operation (income tax returns, quarterly statements, length of time), and that is where an advisor makes the difference.
Do you also improve mortgages that I already have signed?
Yes. We assess whether it is beneficial for you to transfer your mortgage to another bank or to renew it with your current one, including the costs involved in the change.
Simulador de compra
Calcula tu hipoteca con todos los gastos
Impuestos de tu comunidad, notaría, registro y tasación incluidos. Si te encaja, te preparamos el estudio con estos mismos datos.
Cuota mensual
—
Podrías comprar una vivienda de hasta
—
con una cuota de —
- Hipoteca a pedir
- —
- Financiación
- —
- Ingresos netos recomendados
- —
- Pones de entrada
- —
- Gastos de compra
- —
- Intereses en total
- —
Ver desglose de gastos
- Notaría (aprox.)
- Registro (aprox.)
- Gestoría (aprox.)
- Tasación (aprox.)
Resultado orientativo, con tipos generales de impuestos y sin bonificaciones. No es una oferta ni supone la aprobación de ningún banco.
Let's start with your free study
Leave us your details and we'll call you within less than 24 working hours. No commitment and no small print.
Tu estudio en 4 pasos
- 1 Tu operación
- 2 La vivienda
- 3 Tu situación
- 4 Contacto
Sin compromiso y sin coste. Tus datos solo se usan para estudiar tu caso.
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