Dreaming of buying a home and looking for a home loan?

We look for the bank with the best terms for your profile and negotiate every detail: from the spread to the fees, insurance and add-on products, which is where credit gets more expensive without anyone noticing.

Buying a house is slow and full of paperwork. We walk you through every stage, from gathering documents to the deed, and explain what is happening at each one.

What you pay in the end depends on the spread, the index rate, the term, the fees and the products the bank asks for in return for the discount — life cover, buildings insurance, salary direct deposit, credit card.

Two loans with the same advertised rate can differ by thousands of euros over 30 years. We put the offers side by side and show the total cost of each one.

The rule of thumb: banks finance up to 90% of the lower of the valuation and the purchase price, and the instalment should not exceed around a third of the household net income.

In practice more things weigh in — type of contract, time in the job, loans you already have, your age at the end of the term. We tell you what figure you can count on before you start viewing houses.