Explanations in your language
We turn mortgage terminology into decisions you and your family can understand.
Your home in Spain, explained in your language.
Buying a home in Spain can be clearer.
African Mortgage supports people and families from African communities who want to buy a home in Spain. We assess your profile, organise Spanish or overseas documents, compare alternatives and explain every step in Spanish, English, French or Portuguese.
✓First contact in writing✓Support in ES · EN · FR · PT✓Individual assessment, not generic answers
African MortgageClear mortgage guidance for building your home in Spain
4 languagesSpanish, English, French and Portuguese
Your profile firstNationality alone does not determine viability
Documents from several countriesReview and organisation of the file
One point of contactFollow-up throughout the process
Why African Mortgage
Your background should not make the mortgage process impossible to understand.
We help you present your financial position clearly, understand what banks require and move forward with a realistic strategy.
A well-prepared file
We organise income, residency, savings, debts and documents from Spain or abroad.
Support through to completion
We coordinate the assessment, proposals, valuation, FEIN and notary process to reduce errors and surprises.
Services
A mortgage strategy adapted to your real situation in Spain.
Buyers do not all have the same employment, family or documentation journey. We prepare every case individually.
First home in Spain
Affordability assessment, savings estimate and search for finance to buy your first home.
Tell us about your case →Higher financing
We assess cases that need more than standard financing, always subject to the profile and each lender’s criteria.
Tell us about your case →Overseas income or documents
We review how to present income, accounts, tax records or documents issued outside Spain.
Tell us about your case →Self-employed and temporary contracts
We organise seniority, stability, income, tax position and professional development so the file is easy to understand.
Tell us about your case →Buying with a partner or family
We assess joint applicants, family contributions and different residency or income situations.
Tell us about your case →Professional and community partnerships
Mortgage support for estate agents, associations and professionals assisting buyers from African communities.
Tell us about your case →How we work
A clear, respectful process with no unexpected calls.
The first contact is in writing. You will know what is complete, what is missing and what comes next.
Write to us
Send your enquiry through the form or WhatsApp and we reply first in writing, in your preferred language.
We assess viability
We review income, savings, debts, residency, applicants and purchase objective to calculate realistic scenarios.
We organise and compare
We prepare the file, identify missing documents and compare alternatives that suit your profile.
Specialist and completion
With your permission, a specialist arranges a call, reviews proposals and supports the case through to the notary signing.
Indicative calculator
Make an initial estimate of your payment.
Enter the purchase price, savings, term and an estimated interest rate. The result is indicative and does not replace a personalised assessment.
Final financing depends on purchase price or valuation, income, stability, debts, age, savings, residency, property purpose and lender criteria.
Profiles
Especially useful when your case needs more than an automated answer.
NIE or temporary residence
First home
Self-employed
Temporary contract
Overseas income
Higher financing
Joint applicants
Non-residents
Our commitment
What you can expect from African Mortgage.
Respect and individual treatment
Your case is assessed on real information, not assumptions about your background.
Clarity without jargon
We explain costs, conditions, linked products and risks in understandable language.
Honesty about viability
We do not promise automatic approvals. We explain what may work, what is missing and what can block the case.
Frequently asked questions
Clear answers before you begin.
It may be possible. Nationality is not the only criterion. Lenders assess residency, income, stability, debts, savings, age and the property. We review the whole profile.
It depends on the permit, its expiry date, your employment history and each lender’s criteria. We review which options may fit before starting applications.
Some lenders accept them. Depending on the country and document, they may request a sworn translation, apostille, legalisation or additional information. We explain what your file needs.
As a common reference, many purchases require the buyer to cover the non-financed amount plus taxes and purchase costs. Some profiles may access higher financing, but this must be assessed individually.
Yes. We can assess joint applicants, different types of income and family contributions. The source of funds and each person’s participation must be clear.
Usually identification, residency, income, employment history or business activity, tax returns, bank accounts, savings, debts and property documents. You receive a checklist adapted to your situation.
We reply first in writing, normally through WhatsApp. We collect the initial information and only then, with your permission, arrange a call with a specialist.
Yes, and it is advisable. Reviewing viability and the financial margin before making commitments can prevent unnecessary risk and wasted time.
Let’s talk
Tell us what you want to buy and where you are in the process.
We reply first in writing and in your preferred language. We will not call without agreeing it with you.
First communication in writing
Initial viability review
Specialist call only with your permission