Buying your first home:
What you need to know before you start

Before looking for apartments, you need to know what is your real budget? It's not just about the price of the apartment. There's also:

With Dart Molins We will do a personalized and free study for you. This way you will immediately know what maximum price you can afford without putting your economy at risk.

A mortgage is a loan that the bank gives you to buy a house. And you will pay it off over 20, 25 or even 30 years. This means that choosing well is key.

There are three main types:

Each person has a different situation. That's why, in Dart Molins We do not sell mortgages: We look for the one that best suits you. By comparing more than 15 banks, we get better conditions than if you go alone.

Forget about “I only need the 20% input.” In reality, you need a little more. For example:

🏠 If the apartment is worth €200,000, you will need:

💼 Total: about €60,000.

However, there are mortgages that finance up to 90% or, in special cases, 100%. But each bank has its own rules. We tell you what option do you have, depending on your specific case?

Banks want to know that you will be able to pay the mortgage. That's why they will ask you:

Does that sound heavy to you? Don't worry. At Dart Molins we collect and sort everything for you. And we explain each paper you need as if a friend were telling you.

🏦 Your old bank doesn't always give you the best deal. In fact, 70% of people who compare end up with a better mortgage than what their initial bank offered them.

🔍 For this reason, we compare for you. And we make it easy for you: we summarize everything in a clear document, so you can see at first glance which option interests you most.

😟 We know this can all be a little scary. But you don't have to panic.

To Dart Molins assigns you a personal advisor, who explains every step, resolves your doubts and talks to the banks for you. You only make decisions with clear and transparent information. No pressure. No technical jargon. No surprises.

🏠 Many people think, "I'll look at it when I find the apartment I like." But doing the math beforehand will save you time, money, and frustration.

🤝 An initial consultation does not commit you to anything. And it can be the best first step to making your project a reality.