Get more mortgage
with better conditions
20+ banks, financing up to 100%, and real clarity before buying.
I want a new mortgage
You're looking for a home or already found one. We tell you how much you'll get, what home you can afford, and we secure the best market conditions.
Calculate what I'll getI have a mortgage and want to pay less
If you've been paying the same instalment for years, you might be paying too much. We review it for free to see if you can save.
Review my mortgageWhy not just go to the bank?
The bank negotiates for itself. We negotiate for you.
Going alone to the bank
With GC Finance
You can also write to us via form or call us at +34 694 234 665.
How many banks do you work with?
We negotiate with every bank. All at once.
Financing up to 100%.
How does it work?
We talk. We guide you. We negotiate. You sign.
We start by talking
Tell us on WhatsApp where you are: searching for a home, already eyeing one, or just exploring. We share info, answer questions, and guide you. You don't have to decide anything yet — understanding your situation is free.
We see what's possible
When you're ready. We analyze your profile and tell you which banks fit your case best. Not every bank is right for every profile — and that's our job to know.
We negotiate for you
We send your file to all relevant banks the same day. Offers come in, we compare them together and pick the best one.
You just sign
We present the best options with everything explained. We accompany you to the notary signing. No surprises.
Let's do step 0
Start the conversationYou can also write to us via form or call us at +34 694 234 665.
No commitment. We answer within 24 hours.
Calculate
How much mortgage will you get?
Simple rule: your monthly payment can't exceed 35% of your net income. Calculate your max here and the home you could afford.
Calculate your maximum mortgage
Fill in your income and savings to see what home you could afford.
You'd pay/month
—
You'd get
—
You could buy
—
Your mortgage capacity is bigger, but savings limit you
With your income you could borrow up to —, but your savings only cover down-payment+costs for a home of —. With 100% financing (no down-payment — just the ~10% for costs) you could reach a home up to —.
I want 100% financingWe answer on WhatsApp · No commitment · Free
Want to reach further? With us it's possible
A standard bank caps you at the figure above. But with direct access to risk departments and a slightly higher payment, we could push it up to a home of —. And always with the best market conditions.
Let's talk about my caseWe answer on WhatsApp · No commitment · Free
Your case fits comfortably
With your profile you'll get a mortgage on standard terms. Even so, the conditions your branch offers aren't the best on the market — we secure lower rates and minimal bundled products.
I want the best conditionsWe answer on WhatsApp · No commitment · Free
How it's calculated
This calculator applies the typical criteria of Spanish banks:
- Monthly payment ≤ 35% of net income: standard debt ratio rule.
- LTV ≤ 80%: banks finance up to 80% of the appraisal value.
- 30% minimum savings: 20% down-payment + ~10% for associated costs (transfer tax, notary, registry, appraisal). Costs vary by region and whether it's new build or resale.
- Interest rate 2.3%: 2026 market average for 30-year fixed-rate. Your actual rate depends on your profile and negotiation.
Banks also assess other factors not included here: job stability, other active debts, age (mortgage usually has to end before 75), banking history, bundled products (insurance, pension, salary deposit).
That's why this figure is indicative: it puts you in the right ballpark, but the bank confirms the real number when reviewing your full case. Through us we confirm it within 24h.
I'm foreign — can I finance?
Financing for non-residents
If you're foreign and want to buy on the Costa Brava, we help you secure financing with specialized Spanish banks.
Of appraisal value financed
Income in any currency
Languages we cover
You can also write to us via form or call us at +34 694 234 665.
Ask anything
No commitment. No paperwork. No bank visits.
You don't need to have decided anything. If you just want to know whether you'd qualify, if the paperwork confuses you, or if the bank isn't answering your questions — ask us on WhatsApp. We answer with no strings attached.
We answer within 24 hours. No commitment.
The questions you don't dare ask the bank
How much do I need saved to start?
Typically: 20% of the price for the down payment (banks usually finance up to 80%) plus 10-12% for costs (taxes, notary, appraisal, paperwork). Indicative total: 30-32% of the price. If you have less, there are alternatives — ask us.
If I'm self-employed will I get one?
Yes, but the self-employed profile needs special handling. Banks look at your last 2-3 years of tax returns, stable income, and sometimes ask for a higher down payment. We know which banks are friendliest with self-employed applicants.
What if I have other debts or loans?
It counts. Your total monthly debt (mortgage + others) can't exceed 35-40% of your net income. If you're slightly over, we can help you reorganize before applying.
How long does it take from start to finish?
First guidance: 24h on WhatsApp. Feasibility study: 3-5 days. From there to notary signing: 4-8 weeks depending on the case.
I'm foreign or non-resident — can I get a mortgage here?
Yes. There are banks specialized in non-residents. Typically they finance up to 60-70% of the appraisal value, in EUR/GBP/CHF. We support you in 4 languages.
What if I'm denied?
That's why we send to several banks in parallel: a denial isn't a general 'no' — it's 'no at that bank'. Each bank assesses differently. And if no bank says yes, we tell you why and what to do to improve your profile.
How much do I pay you?
For residents the service is free — the bank pays us when you sign. For non-residents and special cases, we discuss it upfront and always in writing. You'll never get a surprise.
Still have questions?
Write to us with no commitment. You don't need to have a property chosen, or know how much you'll get. We chat and guide you. Free.
Consult on WhatsAppYou can also write to us via form or call us at +34 694 234 665.