Transparency
Fees
The initial feasibility study is completely free — no cost, no commitment.
If you decide to proceed, fees are always agreed in advance in a transparent way, following a personalised study of your profile and the specific needs of your transaction.
Profiles
Who is it for?
Local buyer
Spanish residents looking for the best mortgage conditions on the market, without being limited to a single bank.
Foreign resident
EU or non-EU nationals with a NIE residing in Spain. LTV up to 80%.
Non-resident
International buyers without Spanish residency purchasing property in Barcelona. LTV up to 70%.
Property investor
Clients with more complex purchase structures or property portfolios in Barcelona.
Frequently asked questions
Everything you need to know
How much does mortgage management in Barcelona cost?+
The initial feasibility study is completely free and without commitment. Our fees are determined after a personalised study of your profile and the specific requirements of your transaction. Fees only apply if you decide to proceed, and are always agreed in advance.
Is it worth using a mortgage broker?+
Yes. A mortgage broker negotiates with multiple financial institutions on your behalf, securing conditions you would struggle to obtain alone: fewer tied products, a better spread, and full support through to signing at the notary.
What initial documentation do I need?+
No documents are needed for the free feasibility study. If you decide to proceed, the broker will request the standard set: ID/NIE/passport, recent payslips or tax return, bank statements, and property documentation.
Can you get me a mortgage as a foreign buyer?+
Yes. We work with local buyers, EU and non-EU residents with a NIE (LTV up to 80%), and non-residents (LTV up to 70%). We also assist property investors with more complex structures.
How long does the full mortgage process take?+
From the free study request to signing at the notary, the process typically takes 4–8 weeks, depending on the complexity of the profile and the chosen bank. The broker will give you an estimated timeline from the outset.
Otros idiomas · Other languages
Português (Brasil)
BCN Born oferece gestão hipotecária em Barcelona através de corretores especializados associados com ampla experiência no mercado. Trabalhamos com residentes, estrangeiros (residentes com NIE até 80% LTV; não residentes até 70%) e investidores. Estudo gratuito em 24-48 horas. Honorários: determinados após estudo personalizado do perfil e necessidades de cada cliente. Processo completo 4 a 8 semanas. Carrer dels Agullers 18. Atendimento em espanhol e inglês. WhatsApp: +34 615 875 939.
العربية
بي سي إن بورن (BCN Born) يُقدّم خدمة إدارة الرهن العقاري في برشلونة عبر وسطاء متخصصين من شركائنا لديهم خبرة واسعة في السوق. نخدم المقيمين والأجانب والمستثمرين العقاريين. الدراسة الأولية مجانية خلال 24-48 ساعة. تُحدَّد الأتعاب بعد دراسة شخصية لملف العميل واحتياجاته. مدة العملية الكاملة 4-8 أسابيع. للأجانب: حتى 70٪ للمقيمين الجدد و80٪ لحاملي NIE. العنوان: Carrer dels Agullers 18. واتساب: +34 615 875 939.
日本語
BCN Bornは、バルセロナでの住宅ローン手続きを、市場で豊富な経験を持つ専門の提携モーゲージブローカーを通じてサポートいたします。居住者、外国人（NIE保有者：LTV最大80%、非居住者：LTV最大70%）、不動産投資家に対応。初回相談は24〜48時間以内に無料。報酬はお客様のプロフィールと具体的なニーズに関する個別調査の後に決定。プロセス全体4〜8週間。住所: Carrer dels Agullers 18, El Born。WhatsApp: +34 615 875 939。