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100% mortgage

From Euribor + 0,80%

Interest rate

100% of purchase

Value

30 years

Duration

Life and home insurance. Salary account.

Requirements

Intermediated mortgage financing by FINANCIALPAR S.L.U., with head offices in Barcelona and registered in the Register of Credit Intermediaries under no. 72 of the Banco de España (Bank of Spain). Team qualified under the Property Credit Law (LCCI, for its Spanish acronym). Consult conditions, requirements, rebates and commitments. External expenses may be incurred, such as appraisal fees.

Intermediated mortgage financing by FINANCIALPAR S.L.U., with head offices in Barcelona and registered in the Register of Credit Intermediaries under no. 72 of the Banco de España (Bank of Spain). Team qualified under the Property Credit Law (LCCI, for its Spanish acronym). Consult conditions, requirements, rebates and commitments. External expenses may be incurred, such as appraisal fees.

What is a 100% mortgage?

Within the banking market, the term 100% mortgage is a common way of referring to mortgages that offer their customers the opportunity to finance 100% of the estimate of the home they are looking to buy.

Therefore, a 100% mortgage means that the customer does not have to make a down payment to finance the purchase (except for expenses in some cases), allowing them to buy the property with no prior savings. This is the main difference compared to conventional mortgages, since these require the customer to contribute between 20% and 25% of the home’s value.

Here at RN Tu solución hipotecaria we offer you this mortgage model once the prior study has been conducted regarding the customer’s ability to make the payments. Given that it is a mortgage that requires no prior savings, there is no way to determine their ability to pay beforehand.

NIR, APR, differential, fixed, variable? We explain it all in your language

Advantages of a 100% mortgage

If you are thinking about applying for a 100% mortgage, first you need to analyse its advantages. Since no prior savings are required, you’ll have to pay off 100% of the property’s cost. Despite this, there are many advantages:

“RN Tu solución hipotecaria’s” variable mortgage:

Easier to access credit, given that no prior savings are needed

For first-time buyers

Agility in securing the mortgage

Payroll direct debit

life and home insurance

How do you get the best mortgage?

By knowing the mortgage market inside out, since there is an abundance of ever-changing offers. Having a good grasp of this allows us to find the best product for each profile. Not only this, being capable of doing so in an agile and transparent way has also proven to be key.

1. Simulate your mortgage

In under two minutes, you can get an estimate and start the process

2. We study your case

One of our agents will get in touch to study your case in a personalised way

3. We negotiate for you

We advise you and negotiate with financial establishments on your behalf

4. Sign the papers and enjoy your home

We’ll be with you every step of the way so that you can sign with the utmost peace of mind

100% mortgage with and without a guarantee

100% mortgage with and without a guarantee

The term ‘guarantee’ here means the entity, whether material or immaterial, that will answer for the person being endorsed in the event of missed payments. An example of a guarantee could be a payslip or other property that would be compromised if the borrower were not to pay. If no guarantee exists, the responsibility falls solely on the main borrower.

You must keep in mind that there are two types of mortgages: 100% mortgages with a guarantee and 100% mortgages without a guarantee. In the first case, the guarantee would answer for missed payments towards the debt. In the second, on the other hand, no guarantee exists.

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Apply for your 100% mortgage

Apply for your 100% mortgage

To apply for a 100% mortgage, you can already do so quickly and smoothly through RN Tu solución hipotecaria, since once we receive your request for information, a member of our team will get in touch with you. To save you time and effort and to get the best financial deal, we highly recommend that you get in touch with us via any of the means available.

Here at RN Tu solución hipotecaria our job is to act as an intermediary between the bank and the customer, so that the latter can get a 100% mortgage that will allow them to purchase a home with a payment plan they can handle.

Do you want a 100% mortgage? Contact us.

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The future 100% mortgage in 2023

The future 100% mortgage in 2023

Thanks to our extensive knowledge of the mortgage market, we are able to remain at the forefront and constantly improve. 100% mortgages in 2023 are set to evolve as a highly demanded product which has an interest rate that is likely to rise.  2023 will (once more) be a year of great challenges ahead, which will also most likely affect 100% mortgages and their interest rates. However, there will always be interesting options on the market, just like the ones we’ve always been able to offer our customers. Since starting out in the industry in 1999, we’ve gone through tough times, but we’ve always powered through.

Your loyalty and trust is what allows us to remain in a privileged position in the 100% mortgage market. May 2023 be the year for RN Tu solución hipotecaria to strengthen its position in the online market and progress in terms of customer management and support, providing proactive guidance to help you in all your needs.

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EXCELENTE
A base de 1207 reseñas
Miguel Garcia
Miguel Garcia
12/04/2025
Realmente genial , conseguí comprar una casa realmente con tanto desconocimiento no saber por dónde empezar mi gestora Carmen me asesoró todo el proceso y me despejó todas las dudas que tenía o me surgían, muy a atenta amable y disponible en todo el proceso volvería a comprar con eya otra casa sin dudarlo
MIlanny Perez
MIlanny Perez
09/04/2025
Excelente servicio! Super contentos de contar con Roger en todo el proceso de compra de nuestro hogar. Más que agradecidos con él por toda su ayuda y apoyo en este proceso. 100% recomendables. +5*****
Álvaro Graells
Álvaro Graells
09/04/2025
Ayer firmamos la compraventa de nuestro nuevo piso así como la hipoteca y no puedo estar más contento de haber contactado con ellos. Desde el principio, Julián se mostró muy cercano y analizó bien nuestro caso para ver a qué tipo de hipoteca podíamos acceder. Su actitud, tanto con mi mujer como conmigo ha sido siempre de 10. En resumen: no solo hemos conseguido una hipoteca en muy buenas condiciones, sino que además nos hemos sentido muy acompañados durante estos meses, algo que agradecemos, ya que no es un proceso fácil. Sin duda volvería a repetir y recomiendo encarecidamente sus servicios. También mención a Germán que nos ayudó en la relación con la gestión con el banco.
Pedro Jiménez
Pedro Jiménez
08/04/2025
Tuvimos una experiencia excelente con Germán. Nos ayudó a conseguir la hipoteca y estuvo siempre muy pendiente de cada paso del proceso, resolviendo todas nuestras dudas y acompañándonos en todo momento. Gracias a su implicación y profesionalidad, todo fue mucho más fácil. ¡Lo recomendamos 100%!
Matias Infante
Matias Infante
07/04/2025
Impecable y profesional el asesoramiento de RN, concretamente de Roger y Estefanía. Son dos profesionales que recomiendo al 100%.
Mario Farolas sanchez
Mario Farolas sanchez
02/04/2025
Gracias por un trabajo impecable, no ha sido fácil pero con vuestra constancia y buen trabajo he conseguido nuestro sueño, sois geniales.
Omar Memba del Olmo
Omar Memba del Olmo
01/04/2025
Gracias a Manuel y Miguel que han trabajado muy bien para permitir que consigamos hacer realidad nuestro proyecto inmobiliario!!! Muy serios, atentos y transparentes en su gestión. Lo recomendamos totalmente.
Veronica Borrero Lanza
Veronica Borrero Lanza
31/03/2025
Muy profesionales y muy agradecida a Daniel y Manel que nos han acompañado y asesorado en todo el proceso
José luis García
José luis García
31/03/2025
Trato muy bueno,muy profesionales y nos ayudado mucho en todo el proceso.Muy agradecido
miguel palenciano
miguel palenciano
31/03/2025
Noelia y Joel son unos profesionales de los pies a la cabeza aparte de ser super majos. Han tramitado mi hipoteca muy rápido resolviendo todas mis dudas en cada momento…. Muy contento con todo el proceso y con ellos. Recomendación 100% si queréis confianza y que os saquen una hipoteca rápida y bien RN hipotecas os lo harán.