Mortgage Space

When we receive your application, you can submit the necessary documents through the Mortgage Area to continue the mortgage application process.

If you've just applied for your mortgage, don't worry, a mortgage adviser will contact you to inform you about everything.

The process has these stages, which you can follow step by step in the Mortgage Area:

• Application: you can complete and send in your mortgage application from bbva.es. Once you have access to the Mortgage Area, you'll be able to review the details of the mortgage loan you will apply for with BBVA. These details may be updated over the course of the process.
• Documentation: the Mortgage Area shows all the documents you need to provide for the feasibility study, and their status.
• Economic viability study: once you provide all the documents, we will analyze them to see if your mortgage application is economically viable. We may ask you for additional documents at this stage.
• Appraisal of the property and technical feasibility: in this stage, you will need to provide the appraisal and the registry excerpt of the house you want to buy so we can see if the collateral is viable.
• Binding offer: if your mortgage application is viable, we will send you the binding offer with the conditions of the loan so you can read them and decide if you accept them.
• Signing the mortgage: if you agree, you must digitally sign the binding offer and then choose a notary to carry out all the steps necessary to sign the mortgage deed.

As soon as you log in to the Mortgage Area, you'll see a shortcut to submit documents.

For each type of document (identification, financial, etc.), you can add the required or alternative document. We recommend you provide each type of document in the correct section to make the process faster.

There are different options for uploading a multi-page document (e.g., an employment contract):

• Upload each page as a different file. There is a five-file limit for each document type. When you tap "Send," they will be automatically merged into a single PDF document.
• Take photos of each page using your phone's camera. In this case, you can’t upload more than five pages, and they will be merged into a single document when sent.
• Upload all the pages in one document that you previously photographed or scanned and combined into one.

We will ask you for the appraisal of the property when we do the technical feasibility analysis, after the economic feasibility study stage:

• If you already have a certified appraisal of the property, you can provide it at this stage or at the start.
• If you want, you can request it through BBVA. If you prefer this option, tell your mortgage adviser. Keep in mind that the law requires you to pay for the appraisal.