The most powerful mortgage simulator on the market

Borrowing capacity, debt-to-income ratio, purchase costs and deposit: your whole project in 3 minutes, from your phone.

Simulate my mortgage See the PDF report
  • 3 minutes for your whole project
  • Free, with no commitment
  • On your phone or your computer
  • PDF report at the end

Everything that matters for your purchase

One journey, and the figures Spanish banks look at. Here is what you will find in your report.

  • Key figures from the report: amount requested, maximum capacity, estimated monthly payment and debt-to-income ratio
  • File summary: deposit, income, outgoings and debt-to-income ratio
  • Detailed purchase costs: ITP, notary, registry, valuation, gestoría, minimum deposit
  • Savings thanks to Alveo: negotiated rate, arrangement fee, OMF transfer, early repayment
  • Pricing advantages: 0.3 points on average, personalised rate, up to 1 point of discount

Your PDF report, ready to share

At the end of the simulation, you receive a complete report: enough to decide, talk it over with your family or show it to your estate agent.

  • A summary of your answers
  • Your key figures and debt-to-income ratio
  • The breakdown of costs and deposit
  • Your savings with Alveo Finance
  • The steps of your file through to the notary
Simulate my mortgage
Report page: next step and summary of the simulation
Report page: detailed purchase costs and savings
Report page: borrowing capacity estimate

Fast, reliable, at your own pace

Designed for your phone

One question at a time, large buttons, your answers kept if you take a break. You pick up where you left off.

The simulator on a phone: country of tax residence

Your documents checked by artificial intelligence

In your client area, every document you upload is analysed: the right document, legible, including your country's equivalent. Your file reaches the bank complete.

The banks' real criteria

Resident and non-resident loan-to-value, term, debt-to-income ratio: the calculation follows the rules of more than 10 partner banks. Alveo Finance is registered with the Banco de España (E756).

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Free, with no commitment

Running a simulation commits you to nothing. If you wish, an adviser then studies your project with you.

How it works

  1. Answer the questions

    Your project, your income, your outgoings: 3 minutes, on your phone or computer.

  2. Get your result

    Your borrowing capacity and costs on screen, then your full PDF report.

  3. Talk to an adviser

    If you wish, an adviser studies your project with you, free of charge.

Your questions about the simulator

Is the simulator really free?

Yes. The simulation, the PDF report and the first conversation with an adviser are free. Our fees only apply if you ask us to find your financing.

Am I committing to anything?

No. You keep your report and decide what to do next, at your own pace.

Is the result guaranteed?

It is an estimate based on Spanish banks' criteria and on your answers. Only the bank decides on final approval, after studying your file.

What happens to my answers?

They are used to calculate your simulation and to prepare your file if you continue with us. They are hosted in the European Union and are not passed to any bank without your consent.

Your simulation is waiting

3 minutes, free and with no commitment.

Simulate my mortgage