{"id":1009,"date":"2026-04-21T19:49:02","date_gmt":"2026-04-21T17:49:02","guid":{"rendered":"https:\/\/hipotecanova.es\/servicios\/hipoteca-autonomos\/"},"modified":"2026-07-21T00:50:54","modified_gmt":"2026-07-20T22:50:54","slug":"mortgages-self-employed-people","status":"publish","type":"page","link":"https:\/\/hipotecanova.es\/en\/services\/mortgages-self-employed-people\/","title":{"rendered":"Mortgages for self-employed people"},"content":{"rendered":"\n
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Mortgages for self-employed people<\/h1>\n\n\n

At Hipoteca Nova we are specialists in mortgages for self-employed people, helping you secure financing adapted to your professional reality.<\/p>\n\n\n\n

We know every case is different, which is why we analyse your income, your activity and your development to find the best mortgage solution.<\/p>\n\n\n\n

Being self-employed is not a problem. It’s a matter of how it’s presented.<\/p>\n\n\n\n

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Simulate your mortgage for free<\/a><\/div>\n<\/div>\n<\/div>
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Your profile is not standard. Your mortgage shouldn’t be either<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

Many self-employed people receive refusals or uncompetitive terms simply because their case is not analysed correctly.<\/p>\n\n\n\n

As mortgage brokers, at Hipoteca Nova we handle mortgage dealings for self-employed people with a strategic approach:<\/p>\n\n\n\n

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We correctly interpret your actual income<\/strong><\/p>\n<\/div>\n\n\n\n

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We present your profile robustly to banks<\/p>\n<\/div>\n\n\n\n

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We select the most suitable institutions<\/p>\n<\/div>\n\n\n\n

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We negotiate personalised terms<\/p>\n<\/div>\n<\/div>\n\n\n\n

Because it’s not just about meeting requirements, it’s about knowing how to explain your case.<\/p>\n<\/div>\n\n\n\n

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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.<\/p>\n\n\n\n

That’s why we specialise in mortgages for self-employed people, helping professionals and entrepreneurs obtain financing tailored to their profile.<\/p>\n\n\n\n

If you’ve had doubts, refusals or unclear terms in the past, it’s likely the problem wasn’t your profile\u2026 but how it was presented.<\/p>\n<\/div>\n\n\n\n

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Being self-employed doesn’t prevent you from getting a mortgage<\/h2>\n\n\n\n

One of the most widespread ideas is that self-employed people find it much harder to access financing.<\/p>\n\n\n\n

The reality is different. Yes, banks analyse more thoroughly, but that doesn’t mean you can’t obtain a good mortgage.<\/p>\n\n\n\n

Mortgages for self-employed people are entirely viable when:<\/p>\n\n\n\n

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There is stability in the activity<\/p>\n<\/div>\n\n\n\n

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There are recurring incomes<\/p>\n<\/div>\n\n\n\n

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Payment capacity can be demonstrated<\/p>\n<\/div>\n\n\n\n

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Documentation is presented correctly<\/p>\n<\/div>\n<\/div>\n\n\n\n

At Hipoteca Nova we work so that your profile is understood and valued correctly.<\/p>\n\n\n\n

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Calculate your mortgage<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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 The problem is not your profile, it’s how it’s analysed<\/h2>\n\n\n\n

Many self-employed people present their data as is, without adapting the information to what the bank needs to see.<\/p>\n\n\n\n

As brokers specialised in mortgages for self-employed people, our job consists of:<\/p>\n\n\n\n

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Analysing your actual income<\/p>\n<\/div>\n\n\n\n

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Interpreting your financial development<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Detecting strengths<\/p>\n<\/div>\n\n\n\n

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Preparing the documentation correctly<\/p>\n<\/div>\n<\/div>\n\n\n\n

It’s not just about how much you earn, but how it’s demonstrated.<\/p>\n<\/div>\n\n\n\n

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What banks value in self-employed people<\/h2>\n\n\n\n

When it comes to mortgages for self-employed people, banks focus on specific aspects:<\/p>\n\n\n\n