Mortgages for self-employed people
At Hipoteca Nova we are specialists in mortgages for self-employed people, helping you secure financing adapted to your professional reality.
We know every case is different, which is why we analyse your income, your activity and your development to find the best mortgage solution.
Being self-employed is not a problem. It’s a matter of how it’s presented.
Your profile is not standard. Your mortgage shouldn’t be either
Many self-employed people receive refusals or uncompetitive terms simply because their case is not analysed correctly.
As mortgage brokers, at Hipoteca Nova we handle mortgage dealings for self-employed people with a strategic approach:
Because it’s not just about meeting requirements, it’s about knowing how to explain your case.
At Hipoteca Nova we know that being self-employed involves a different financial reality. And we also know that that shouldn’t prevent you from obtaining a mortgage.
That’s why we specialise in mortgages for self-employed people, helping professionals and entrepreneurs obtain financing tailored to their profile.
If you’ve had doubts, refusals or unclear terms in the past, it’s likely the problem wasn’t your profile… but how it was presented.
Being self-employed doesn’t prevent you from getting a mortgage
One of the most widespread ideas is that self-employed people find it much harder to access financing.
The reality is different. Yes, banks analyse more thoroughly, but that doesn’t mean you can’t obtain a good mortgage.
Mortgages for self-employed people are entirely viable when:
At Hipoteca Nova we work so that your profile is understood and valued correctly.
The problem is not your profile, it’s how it’s analysed
Many self-employed people present their data as is, without adapting the information to what the bank needs to see.
As brokers specialised in mortgages for self-employed people, our job consists of:
Analysing your actual income
Interpreting your financial development
Detecting strengths
Preparing the documentation correctly
It’s not just about how much you earn, but how it’s demonstrated.
What banks value in self-employed people
When it comes to mortgages for self-employed people, banks focus on specific aspects:
- Length of time in the activity
- Regularity of income
- Net profit
- Level of indebtedness
- Sector stability
At Hipoteca Nova we help you work on these points to improve your position and access better terms.
Better terms with the right approach
One of the most common mistakes is accepting the first offer available.
As mortgage brokers, at Hipoteca Nova:
- We compare across different lenders
- We identify the most favourable ones for self-employed people
- We negotiate terms
- We avoid uncompetitive offers
The goal is for you to secure one of the best mortgages for self-employed people, not just a viable option.
Start before looking for a property
As with other profiles, for self-employed people it is key to start before choosing a property.
We help you to:
- Define your real purchasing power
- Set a budget
- Prepare your financial profile
- Anticipate possible problems
This allows you to make decisions with more confidence and avoid blockages during the process.
Our approach as specialists in self-employed clients
At Hipoteca Nova we understand how a self-employed person’s income works. We know it is not always linear, and that many factors influence it.
That is why our mortgage service for self-employed people is based on:
- Personalised analysis
- Prior strategy
- Continuous support
- Direct negotiation with banks
We do not apply standard solutions. We adapt each transaction to each client.
Mortgages for self-employed people in Barcelona and across Spain
We work with self-employed people in Barcelona and throughout the national territory.
Our experience handling mortgages for self-employed people in different sectors allows us to offer solutions tailored to each case.
Whether you have been running your business for years or have grown recently, we analyse your situation to find real options.
Take the step towards your mortgage as a self-employed person
If you are self-employed and thinking of buying a home, do not let doubts hold you back.
At Hipoteca Nova we study your case and give you a clear view of your options to access one of the mortgages for self-employed people most suitable for you.
Because being self-employed is not a limitation. It is a reality that needs to be worked with.