The 12-month Euribor has remained at its lowest level since November, standing at a provisional average of 2.22%, which means a slight drop in variable mortgage payments. This scenario of stable interest rates, together with new government subsidies for home purchases coming in 2026, make this year a real opportunity for those who want to […]
Why it is more than advisable to have bank pre-approval before looking at houses, because the house hunting process can be confusing. There is a lot to learn about mortgages, paperwork and viewings, and I am going to tell you what the most important step is: getting bank pre-approval before you start looking at houses, […]
The Supreme Court has decided not to generally annul mortgages linked to the IRPH (Housing Loan Reference Index) on the grounds that they are abusive. Instead of a single solution, it has made it clear that it will be up to the courts, on a case-by-case basis, to determine whether or not a clause with […]
Since August 12th, a new regulation has come into effect that changes the rules of the game: from now on, a property cannot be appraised for a mortgage unless it has a valid Energy Efficiency Certificate (EEC). This means that if you are planning to buy with financing, sell your home, or refinance your mortgage, […]
The housing crisis in Spain is no longer just a concern. It’s an emergency. And the most alarming part isn’t that we’ve reached this point, but that those with the power to act remain frozen—trapped by ideology, bureaucracy, lack of political will, and, let’s be honest, incompetence and short-sightedness. Where is the government when it’s […]
🏠 2025 Housing Aid in Spain – What You Need to Know (From Your Real Estate Agent) As a real estate agent committed to helping you find the best path to your new home, I want to share the key housing subsidies available in 2025 for buying, renting, and renovating properties in Spain. Below, you’ll […]
Buying a home is one of the most important financial decisions in anyone’s life. One of the first questions that arises when starting this process is: ‘What mortgage can I afford? Answering this question is fundamental to avoid an excessive financial burden and to ensure long-term financial stability. From our team of mortgage advisors, we […]
The new ICO guarantees, approved by the Government, constitute a line of financing of 2,500 million euros aimed at the purchase of the first home for young people under 35 years of age and families with dependent minors. This government initiative seeks to offer a concrete solution to a complex problem that requires specific instruments […]
Closing the Deal Once you have selected your future home, the closing process involves the signing of several contracts as it progresses: -Earnest money contract: This act represents the reservation of the home and requires a down payment. Failure to comply carries penalties for both parties and establishes deadlines and forms of payment to complete […]
Acquiring a property represents a decision of enormous importance in any person’s life. It involves a significant change and, at the same time, a considerable investment. It is therefore essential to ensure that all details are well considered. Approaching the purchase of a new-build home in an optimal way requires several essential steps. It is […]
