{"id":2947,"date":"2025-07-24T10:00:49","date_gmt":"2025-07-24T08:00:49","guid":{"rendered":"https:\/\/eixfinancer.es\/how-to-get-a-mortgage-with-100-financing\/"},"modified":"2025-07-24T10:00:49","modified_gmt":"2025-07-24T08:00:49","slug":"how-to-get-a-mortgage-with-100-financing","status":"publish","type":"post","link":"https:\/\/eixfinancer.es\/en\/how-to-get-a-mortgage-with-100-financing\/","title":{"rendered":"How to get a Mortgage with 100% Financing"},"content":{"rendered":"

For many people, buying a home is the most important project of their lives. But when they go to the bank, they encounter an obstacle: financing. Most institutions only grant 80% of the purchase price or appraisal value (whichever is lower). And this requires having the remaining 20% plus expenses (an additional 10 to 13%).<\/p><\/blockquote>\n

At Eix Financer, we know that not everyone has enough savings to cover this down payment, which is why we work to help our clients secure up to 100% financing. Below, we explain how this can be achieved and what you need to consider.<\/p>\n

Why Don’t Banks Finance 100%?<\/strong><\/h4>\n

After the 2008 crisis, risk criteria became stricter. 100% financing virtually disappeared from all institutions, with the \u201cexception of properties from their own portfolio (properties from\u201d foreclosures).<\/p>\n

Currently, some institutions can reach 100%, but only in very specific cases and with the right approach. This is where the role of the mortgage advisor comes in.<\/p>\n

Strategies to get 100% of the Mortgage<\/h4>\n

There are several ways to obtain full financing for the operation:<\/p>\n

1. Double mortgage guarantee
\nOne of the most common options is to offer a second guarantee (usually a property owned by parents or relatives). It is not necessary to mortgage the entire property, but only a proportional part as support.<\/p>\n

This formula can be temporary (until the debt is reduced) and allows access to full financing without the need for saved money.<\/p>\n

2. Personal guarantee (from parents or relatives)
\nSome banks accept a personal guarantee from a parent or legal guardian, provided they have sufficient income or assets. This option is more common for young buyers.<\/p>\n

3. Operation with a good profile + suitable institution
\nSome institutions may agree to finance 90-100% if the client’s profile is solid:<\/p>\n

    \n
  • Permanent contract<\/li>\n
  • Stable income<\/li>\n
  • Low financial burden<\/li>\n
  • Impeccable credit history<\/li>\n<\/ul>\n

    As advisors, we know which institutions can offer this and how to properly present your application.<\/p>\n

    What You Need to Consider<\/h4>\n

    The interest rate may be higher if you request more than 80%.<\/p>\n

    Some institutions may require more ties (insurance, payroll, cards…).<\/p>\n

    It is essential to properly prepare the documentation and preliminary analysis to avoid direct rejection.<\/p>\n

    Case Study<\/h4>\n

    A young couple, with two permanent contracts and no debts, wanted to buy an apartment for \u20ac180,000. They had no savings, but the parents offered a second home as partial collateral. We secured a 100% mortgage at a mixed rate, with affordable payments and no down payment.<\/p><\/blockquote>\n

    Conclusion<\/h4>\n

    Getting a mortgage with 100% financing is not easy, but it is possible. The most important thing is to know which institutions to approach, how to present the operation, and what conditions can be negotiated.<\/p>\n

    At Eix Financer, we study your case in a personalized way, find the \u201cright strategy, and accompany you throughout the process until the signing.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

    Don’t have the savings to pay the \u201cdown payment for a home?\u201d There are options to get 100% financing. We explain how.<\/p>\n","protected":false},"author":1,"featured_media":2696,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75,74],"tags":[78,77,79,76,80],"class_list":["post-2947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-100-financing","category-mortgages","tag-double-guarantee","tag-down-payment","tag-guarantee","tag-savings","tag-young-mortgage"],"_links":{"self":[{"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/posts\/2947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/comments?post=2947"}],"version-history":[{"count":0,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/posts\/2947\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/media\/2696"}],"wp:attachment":[{"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/media?parent=2947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/categories?post=2947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eixfinancer.es\/en\/wp-json\/wp\/v2\/tags?post=2947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}