How much home can you afford?
Run the numbers the way the bank will.
Income, loans and savings: we'll tell you the property price you can reach, the monthly payment and the savings you need for deposit and taxes. Then we confirm it for free with real banks — the bank pays our fee.
You can also chat with us on WhatsApp.
Where are you in the process?
30 seconds. No email or phone needed to see your result.
What's the price?
A standard bank would finance — (80%). Keep going and we'll see if it fits.
What kind of property?
Is any buyer 35 or under with taxable income below €36,000?
Transfer tax (ITP) drops from 10% to 5%: in your case that's — less in tax.
Conditions: main residence and IRPF taxable income ≤ €36,000. If two of you buy, both must qualify (if only one does, it applies to their half). We verify it with you before taking anything for granted.
What comes into the household monthly?
Car, personal loans, cards… Leave 0 if none.
Banks accept at most 35% of your net income: a payment of up to —.
How much have you saved?
Savings available for the purchase + family help if any.
Next comes what almost nobody knows: how much you really need.
Last question: your situation?
It doesn't change the maths — it changes which bank says yes. Nobody is ruled out by this.
Your study — the same maths the bank will do
How much home can you afford?
Can you buy the — property?
Up to —
With a standard bank: — · Via broker: up to —
✓ It fits with a standard bank
✓ It fits — with — financing (via broker)
Not today: you're — short in savings
Not today: it would need a payment of — and your maximum is —
With these numbers, the maths doesn't work today.
Without savings for taxes and the deposit (or payment headroom) no bank finances 100% of everything. But it's exactly the kind of case that gets worked out: guarantors, family help, a different term… Tell us and we'll look at it for free.
— deposit + — taxes and fees —
At 80% it's not your income holding you back — it's savings. That's why 90-100% financing exists, and getting it for your profile is exactly what we negotiate.
Do your savings cover it?
— — — deposit (—) + — taxes and fees (—)
—
The bank puts in its share; the deposit and taxes come from your savings. It's the part almost nobody accounts for.
What would you pay per month?
—
That's — of your income — within what banks accept.
That's — of your net income — above the standard 35%. Exactly the kind of case that needs the right bank.
Will you get approved?
With the payment under 35% and your contract type, you're the profile banks want. On paper, yes.
Your numbers work. Self-employed or temporary contracts don't need to earn more — they need more paperwork and the right bank. We work with ~20 and know which ones say yes to profiles like yours.
A standard bank (35% payment cut-off) would say no. Depending on profile it can go to 40-45%: your ceiling would rise to — — exactly where a broker makes the difference.
Banks finance 60-70% for non-residents; we usually secure the maximum and guide you in your language through the whole purchase.
A calculator can't confirm this — banks can. We do it for free, within 24h.
Free: the bank pays us · Real bank answers in 24h · No commitment
Your study travels with the request: you won't have to repeat the numbers.
See the full maths, as the bank does it
Income — − loans — → × 35% = max payment —/month → over 30 years at the reference rate, the bank lends up to — → + your savings — − deposit and taxes = your budget.
Indicative: 2,50 % reference rate over 30 years (reviewed monthly), ITP/VAT per your case + ~2% fees (notary, registry, agency, valuation). We confirm it with real bank offers.
We'll tell you for free, within 24h, whether it can be improved: rate, tied products and how much you'd save.
Why 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 +34 663 505 346.
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
To understand what you want: the purchase you have in mind, timings and what worries you.
Instant pre-check
In that same meeting, with no paperwork, we tell you whether what you're considering is viable or not.
We ask for the documents
A clear, closed list of what's required, so you gather it once.
We receive the offers
The banks come back with a set of real proposals for your case.
We compare and choose
We go through them with you, pick the best one and continue the process with the chosen bank until signing.
Let's do step 0
Start the conversationYou can also write to us via form or call us at +34 663 505 346.
No commitment. We answer within 24 hours.
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 +34 663 505 346.
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 5 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 WhatsAppPrefer to call? call us at +34 663 505 346.