Fast Track Hipoteca

It's not a simulator; we tell you how much we can give you

  • We analyze your economic situation with the data you submit with Cl@ve Móvil.
  • In less than 8 working hours, we’ll tell you the amount we can give you, with no obligation.
  • This way, you can search for a home with confidence and make the mortgage process easier.
  • When you find the house, we analyze the missing documents and, if everything is in order, you will receive the offer for your mortgage.

 

Why choose the fast track?

You avoid paperwork

You connect with Cl@ve Móvil to automatically retrieve your tax income return, your employment history, and your contribution bases.

We calculate an amount for you

As we calculate it using your real data, this amount is more reliable and accurate than a simulator.

Whether you're a BBVA customer or not

Request the analysis for yourself or together with another person, at no cost and with no strings attached. It's up to you whether you want to continue.

How does it help you find your home?

  • You know which house can you afford. Since we use your official data, you know if you can pay the price of the house before visiting it. In addition, the amount is valid for 3 months so you can search at your own pace.
  • You know how much you need to save. You have to contribute at least 30% of the value of the house (20% savings and 10% expenses) or 40% if it is a second home (30% savings and 10% expenses). And if you want to request more, we'll review it with you.

And what happens when you find it?

  • You can track your application in the app. In the Mortgage Space, you can review the next steps, upload any missing documents, and speak with a BBVA representative whenever you need to.
  • And move forward with your future mortgage. You will be able to calculate your mortgage payment and proceed with the paperwork. In addition, we will ask you for more documentation about yourself and the house to confirm if your application is viable.

How can you take the fast track to your home?

  • Complete your personal and work details. If there are two of you, you'll have to do it together.

  • Connect with Cl@ve Móvil to submit your documents automatically and securely.

  • In less than 8 working hours, we will send you the amount we can give you by email.

All you need to know

It is an analysis that helps you understand the amount we could offer you to buy a house, based on the information and documents you provide through BBVA’s Automation Service, using the Cl@ve Móvil identification system.

Submit official documents to BBVA

First, you need to register with Cl@ve Móvil, an electronic access system for public administrations that allows you to authenticate yourself to carry out administrative procedures. With this system you can submit your official documents to BBVA automatically. The reference to Cl@ve Móvil is purely informational and does not imply any institutional affiliation with BBVA.

The Automation Service is a voluntary service that allows you, after secure authentication, to automatically consult and obtain certain documents available on the electronic portals of public administrations, in order to expedite the initial analysis of your application. To use this service, you must first accept its terms and conditions and read about the processing of your personal data.

Fast Track Hipoteca analysis results

The result of this preliminary analysis is for informational purposes only; it does not constitute a binding offer nor does it imply final approval or granting of the mortgage loan.

If, after seeing the indicative amount we could offer you, you wish to proceed with the application, you will need to confirm the information you have provided, and we may request additional documentation to carry out a full risk assessment and the feasibility study of the mortgage guarantee on the property you wish to purchase.

Only if, following this detailed analysis, BBVA ultimately approves the mortgage loan will you receive a binding offer through the European Standardized Information Sheet (ESIS), along with the other pre-contractual documentation required by Law 5/2019, which regulates real estate credit agreements.