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What I learn selling homes

No alarmist headlines, no generic advice: what I see every week in Castelldefels and along the coast, explained the way I would explain it to a client.

Documents and calculator for a mortgage application
Buying and financing 28 August 2026 · 6 min

Spanish mortgages step by step: what the bank asks for, and when to apply

The order matters more than the bank. If you apply for the mortgage once the deposit contract is signed, you are racing the clock — and that always costs. Here is what to have ready before you make an offer.

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