Mortgage Advice You Can Trust — From Start to Finish
At StartGroup, we don’t just sell properties — we help you finance them too. As your dedicated mortgage advisor, I will guide you through the entire mortgage process, from the initial financial assessment to the final signature at the notary.
My goal is to make your home purchase in Spain as smooth, transparent, and stress-free as possible.
Remember, I guide you through the process — from start to finish!
My name is Oksana Heliuta, a licensed mortgage broker officially registered with the Bank of Spain.
Why Choose Our Mortgage Service?
We stay up to date with the latest offers from Spanish banks and provide independent, personalized advice to help you secure the best possible mortgage. Whether you’ve already found your dream home or are just starting your search, we’ll assess your situation so you know what’s possible — before committing.
Get Personal
Advice
Are you thinking of buying a property in Spain and need financing?
- Not sure how much you can borrow?
- Wondering if you can get a mortgage as a non-resident?
- Want to know your mortgage options before you start house hunting?
We answer all your questions — no obligation. Contact us today and let us study your case.
Leave your details and let us guide you through the mortgage process
✔️ Frequent Questions
What documents do I need, to apply for a mortgage in Spain?
Required documents vary by profile, but usually include ID (passport or DNI), NIE (foreigners’ ID number issued by the Spanish authorities), proof of income, tax returns, bank statements, and employment or business documentation.
How much can I borrow if I’m a resident or a non-resident?
Residents can usually borrow up to 80% of the lower value between purchase price or valuation. Non-residents can typically borrow 60–70%. Monthly payments should not exceed 30–35% of net income.
Which bank offers the best mortgage for my profile?
There is no single best bank. The best mortgage depends on your income, employment status, age, residency, and financial stability. A mortgage broker compares banks to find the most suitable option.
Is a fixed or variable rate better for me?
Fixed-rate mortgages offer stable payments, while variable rates may start lower but fluctuate with the Euribor. A mixed rate combines both. The best option depends on your risk tolerance and financial goals.
How does my age affect the loan terms?
Banks usually require mortgages to be repaid by age 70–75. Younger applicants qualify for longer terms, while older applicants are offered shorter durations.
Can I get a mortgage if I’m self-employed or own a company?
Yes. Banks assess business history, income stability, tax returns, and existing debts. Some banks specialise in self-employed and business-owner mortgages.
What are the costs involved in getting a mortgage in Spain?
Buyers should budget 10–15% of the property price for taxes, notary, registry, valuation, and legal fees. Since 2019, banks cover most mortgage-related costs except valuation.
How long does it take to get a mortgage offer?
The process usually takes 4–6 weeks, including financial review, valuation, issuing of a final offer (FEIN) and notary signing.
StartGroup is registered as a real estate credit intermediary with the Bank of Spain – Registration No. E345.