MEDLA · Mortgages

Your home deserveswell-considered financing.

Buying your first home, investing in property or reviewing an existing mortgage. We put your plans in context and coordinate a financing search and negotiation around your circumstances.

Discuss my mortgage

A full view of your purchase. One starting point with MEDLA.

Buy, negotiate or review your mortgage.

Buy a home

Financing assessment for residents and non-residents. Your income, savings and purchase plans are reviewed to prepare the application and request offers from participating lenders.

Negotiate a mortgage

The mortgage team negotiates terms available from lenders for your transaction: interest rates, margins, linked products and fees. The comparison considers the total cost as well as the monthly payment.

Review an existing mortgage

A review of the loan and its costs to consider a novation with your bank or a subrogation to another lender. Any improvement depends on available proposals and their feasibility for your circumstances.

MEDLA · Mortgages

Negotiation is part of the service.

The mortgage team presents your application to participating lenders to negotiate interest rates, margins, linked products and fees. We compare the proposals received for your case and review their overall cost before you decide.

Interest rate and margin
Fees and costs
Insurance and linked products
Term and total cost

MEDLA

From your circumstances to a clear proposal.

MEDLA is your first point of contact. We coordinate the mortgage team and any legal or tax advice your project needs with you.

Understand your starting point
The mortgage team reviews income, available savings, your purchase plans and, if applicable, your existing mortgage and associated products. This establishes the circumstances before approaching lenders.
Compare offers
Your case is presented to participating lenders, and the mortgage team compares the offers they make for your circumstances. The review uses actual proposals, with their requirements and scope.
Consider the full picture
You receive options showing total cost, annual percentage rate of charge (TAE), term, fees and associated insurance or products. You can assess each proposal beyond the monthly payment.
Progress towards completion
The mortgage team manages the application with the bank and supports the process through to signing before a notary. Financing remains subject to the lender’s assessment and approval.

Consider what comes with your mortgage, too.

You can request these additional reviews. Before taking out a product, understand its purpose, costs, risks and terms.

Save towards a goal

Plan regular contributions with the aim of paying down your mortgage in the future. The mortgage team considers options based on your time horizon, capacity to save and access needs. Returns and the possibility of paying off the loan depend on how the savings develop and on the product terms.

Review insurance and other products

Life, home and health insurance, pension plans, current accounts and interest-bearing accounts. An optional review of cover, costs and terms, including how changing or cancelling a product could affect discounts on your mortgage rate.

MEDLA · OVB

MEDLA coordination. Mortgage expertise.

Your project, with MEDLA

We receive your enquiry, consider financing within your transaction and coordinate the next step. The scope and fees of each service are agreed before engagement.

Mortgage intermediation through OVB

OVB compares and negotiates with lenders and manages the mortgage application. You will know who provides each service and its terms before engaging them. The lender decides whether to approve financing.

Put the pieces of your home move in place.

If you need them, MEDLA can also help with these services.

Would you prefer to buy?

Explore our properties and ask MEDLA about a home that interests you.

View our properties

Protect your home

Explore home insurance options, whether you are buying or renting.

Explore home insurance

Your taxes

Review tax questions about your move, work or property.

Explore tax advice

Before your next step

Can I enquire if I live outside Spain?

Yes. The mortgage team considers resident and non-resident applications. Documentation, terms and feasibility depend on your circumstances and each lender’s criteria.

What does the service cost?

The scope and fees are confirmed for your transaction before engagement. Mortgage intermediation, banking costs and legal or tax services may have different charges, itemised in the relevant proposal.

Does the savings plan guarantee paying off my mortgage?

No. This proposal guarantees neither a repayment date nor a return. Contributions, product performance, risks, access to funds, costs and the outstanding loan balance all need to be considered.

Tell us about the home you have in mind.

Let us know whether you are buying or reviewing an existing mortgage. We start by understanding your circumstances and agreeing the work with you.