{"id":971,"date":"2026-04-21T19:55:46","date_gmt":"2026-04-21T17:55:46","guid":{"rendered":"https:\/\/hipotecanova.es\/servicios\/hipotecas-sin-aval\/"},"modified":"2026-07-21T01:07:10","modified_gmt":"2026-07-20T23:07:10","slug":"mortgages-without-guarantor","status":"publish","type":"page","link":"https:\/\/hipotecanova.es\/en\/services\/mortgages-without-guarantor\/","title":{"rendered":"Mortgages without a guarantor"},"content":{"rendered":"\n
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Mortgages without a guarantor<\/h1>\n\n\n

Get your mortgage without a guarantor, even with high financing<\/strong><\/p>\n\n\n\n

At Hipoteca Nova, we specialise in securing mortgages without a guarantor, analysing each case to maximise your options without the need to rely on third parties.<\/p>\n\n\n\n

If you are looking for mortgages with 100% financing without a guarantor,<\/strong> we help you understand whether it is possible in your case and how to present it correctly to the banks.<\/p>\n\n\n\n

More independence. More control. More real options.<\/p>\n\n\n\n

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Calculate your mortgage for free<\/a><\/div>\n<\/div>\n<\/div>
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Not having a guarantor does not mean you cannot get a mortgage<\/strong><\/strong><\/h2>\n\n\n\n

Many people rule out buying a home because they do not have a guarantor. But the reality is that there are alternatives.<\/p>\n\n\n\n

As mortgage brokers, at Hipoteca Nova we handle transactions involving:<\/p>\n\n\n\n

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Mortgages without a guarantor<\/strong><\/p>\n<\/div>\n\n\n\n

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Profiles without family support<\/p>\n<\/div>\n\n\n\n

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Well-structured high financing<\/p>\n<\/div>\n\n\n\n

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Cases requiring strategy<\/p>\n<\/div>\n<\/div>\n\n\n\n

We assess your profile, prepare the application and negotiate with lenders to secure a viable and sustainable mortgage without a guarantor.<\/p>\n\n\n\n

Because it is not just about trying, but about doing it properly.<\/p>\n<\/div>\n\n

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At Hipoteca Nova, we know that not everyone can rely on a guarantor. We also know that this should not be a definitive obstacle to buying a home.<\/p>\n\n\n\n

That is why we specialise in securing mortgages without a guarantor, helping our clients access financing based on their own profile, without the need for additional guarantees.<\/p>\n\n\n\n

If you are looking for mortgages with 100% financing without a guarantor, it is important to understand that this is not the most common scenario, but it may be possible if approached correctly.<\/p>\n<\/div>\n\n

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\u00a0It is possible to get a mortgage without a guarantor<\/h2>\n\n\n\n

One of the most common questions is whether mortgages without a guarantor really exist.<\/p>\n\n\n\n

The answer is yes, but not in every case. Banks assess the risk of each application, and when there is no guarantor, it is essential for the profile to be well prepared and the application to be well structured.<\/p>\n\n\n\n

At Hipoteca Nova, this is exactly what we work on:<\/p>\n\n\n\n

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Assessing your financial situation<\/p>\n<\/div>\n\n\n\n

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

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Reducing the risks perceived by the bank<\/p>\n<\/div>\n\n\n\n

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Presenting the application strategically<\/p>\n<\/div>\n<\/div>\n\n\n\n

Our aim is to help you access a mortgage without depending on third parties.<\/p>\n\n\n\n

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Calculate your mortgage<\/a><\/div>\n<\/div>\n<\/div>\n\n
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Mortgages with 100% financing without a guarantor: when they are viable<\/h2>\n\n\n\n

The next level of complexity is securing mortgages with 100% financing without a guarantor.<\/p>\n\n\n\n

In these cases, in addition to not providing a guarantor, no deposit is paid either, which requires greater negotiating capacity and a very careful approach.<\/p>\n\n\n\n

Although it is not available to all profiles, it may be viable in situations such as:<\/p>\n\n\n\n

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Stable and sufficient income<\/p>\n<\/div>\n\n\n\n

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Low level of debt<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Good financial history<\/p>\n<\/div>\n\n\n\n

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Properties with a favourable valuation<\/p>\n<\/div>\n<\/div>\n\n\n\n

At Hipoteca Nova, we assess each case realistically. We do not create false expectations, but we do explore every possible option.<\/p>\n<\/div>\n\n

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The key lies in how the application is presented<\/h2>\n\n\n\n

Many mortgage applications without a guarantor are rejected not because of the profile, but because of how they are presented.<\/p>\n\n\n\n

As mortgage brokers, our work consists of:<\/p>\n\n\n\n