100% mortgages
If you are looking for a 100 per cent mortgage or a 100 per cent mortgage, at Hipoteca Nova we help you understand your real options from the first moment.
Our team works with you to:
- Define your purchasing capacity
- Prepare your profile
- Negotiate with lenders
- And obtain the maximum possible financing
Because buying without savings is possible… if you do it with the right team.
A 100% mortgage is not impossible, but you need to know how to get it
Accessing a 100 per 100 mortgage requires strategy, market knowledge and negotiation skills.
At Hipoteca Nova we work as brokers specialised in:
We study your case to assess whether you can qualify for a 100% plus costs mortgage or a 100 financing mortgage, and we accompany you throughout the process.
It is not just a matter of finding a bank. It is knowing how to present the deal so that it is viable.
100% financed mortgages: how to get your home without savings
At Hipoteca Nova we know that one of the biggest obstacles to buying a home is the initial savings. That is why we specialise in obtaining 100% mortgages, helping our clients to access a home without needing to provide the usual 20%.
If you are looking for a 100% financed mortgage, it is important to understand that it is not a standard product. But it is possible, if the transaction is structured correctly.
That is where our work as mortgage brokers comes in.
What a 100% mortgage is and when it is possible
A 100 per 100 mortgage is one in which the bank finances the total purchase price of the property, without the need to provide savings for the deposit.
In some cases, it is even possible to reach a 100% plus costs mortgage, covering part of the costs associated with the purchase as well.
Although not all profiles can access it directly, there are situations where a 100% financed mortgage is viable:
At Hipoteca Nova we analyse your case to determine whether you can realistically qualify for 100% mortgage financing.
The key is not the bank, it’s how the transaction is structured
Many people apply for a 100% mortgage directly with their bank and receive a refusal.
This happens because it is not a product that is always visible. Obtaining a one hundred per cent mortgage depends largely on how the transaction is presented.
As specialists in 100% financed mortgages, at Hipoteca Nova:
We prepare your financial profile
We select the appropriate lenders
We design the best strategy
We negotiate directly with the banks
Our approach as brokers allows us to significantly increase the chances of obtaining a viable mortgage.
100% financed mortgages: advantages and points to consider
Accessing a 100 per cent mortgage has clear advantages:
- You don’t need large initial savings
- You can buy sooner
- You maintain liquidity
But it is also important to analyse each case carefully. A 100% financed mortgage implies a higher financed amount, so it is key to ensure the transaction is sustainable in the long term.
That is why at Hipoteca Nova we not only seek to obtain the financing, but to ensure it is suitable for you.
Is a 100% plus costs mortgage possible?
One of the most common questions is whether you can obtain a 100% mortgage plus costs.
The answer is: it depends on the profile and the transaction. In some cases, by structuring the purchase correctly, it is possible to approach a 100% financed mortgage that covers virtually all costs.
Our job is to analyse every detail to maximise the financing available within a viable framework.
Our approach as brokers for 100% mortgages
At Hipoteca Nova we work with a clear approach: helping you before you make the purchase decision.
We don’t just seek a 100 per cent mortgage, we help you to:
- Know what property you can afford
- Prepare to access financing
- Avoid common mistakes
- Negotiate on better terms
This approach makes the difference between trying… and succeeding.
100% mortgages in Barcelona and across Spain
We work with clients seeking 100 per cent mortgages in different areas, especially in Barcelona, but also across Spain.
Thanks to our experience and network of lenders, we can manage 100% financed mortgage transactions tailored to each profile.
Our goal is clear: to offer you real options, not promises.
Take the first step to get your 100% mortgage
If you are thinking of buying a home but do not have enough savings, a 100% mortgage could be the solution.
At Hipoteca Nova we help you understand whether you can access this type of financing and how to do so in the safest way.
We analyse your case, give you a clear answer and support you throughout the process.
Because getting a mortgage with 100% financing is possible. But doing it well makes all the difference.
There are also alternatives that can make accessing these operations easier, such as mortgages backed by an ICO guarantee. This type of financing is designed especially for young people and families, allowing part of the down payment to be covered with a public guarantee. At Hipoteca Nova we assess whether you can benefit from 100% financing of your mortgage supported by these programmes and help you manage the whole process to maximise your options.
In Catalonia, there are also specific options such as mortgages backed by ICF (Institut Català de Finances) guarantees, which can facilitate access to a 100 per cent mortgage for certain profiles. Our team studies each case to assess whether you can make use of these aids and how to integrate them into a complete strategy that allows you to buy a home without savings or with a minimal contribution.