A mortgage broker in Girona assesses your profile, presents your case to several banks and negotiates the interest rate, linked products and terms on your behalf. AJ Finances is AJ Grup's mortgage division, run by Jonatan Sánchez, a mortgage credit intermediary registered under number ICI 23/0131. Office in Girona; we also work with non-resident and foreign buyers.
What we do for you
- Free feasibility assessment: income, savings, debts and profile. You will know how much you can borrow before you look for a home.
- We compare banks: fixed, variable or mixed rate, term (usually up to 30 years) and linked products.
- We negotiate the spread, fees and linked products.
- We go with you through the valuation, the binding offer (FEIN), the prior notarial deed and the signing.
Mortgages to buy, switch bank or consolidate
- First home, including publicly guaranteed options for young buyers when the requirements are met.
- Non-residents and foreign buyers: banks usually finance 60–70% of the value; we know which ones work best with each profile and which documents they ask for.
- Remortgaging or switching bank to improve the terms of your current mortgage.
- Self-employed and companies, where comparing well makes the biggest difference.
- Property investment.
Young buyer mortgages and 100% financing in Girona
If you have savings for the costs but not for the deposit, two public schemes can remove the need to put down 20% of the price:
- ICO guarantee for young buyers and families with children. For buyers aged up to 35 (no age limit if you have dependent children) purchasing their first main residence. The State guarantees up to 20% of the loan (25% if the property has an energy rating of D or better), so the bank can lend up to 100% of the price or valuation. In Girona the income limit is 7.5 times IPREM per buyer (about €63,000 gross a year), net worth cannot exceed €150,000 and the mortgage must be signed by 31 December 2027. It is arranged through participating banks.
- Catalan Government Emancipation Loans (ICF). For people aged 18 to 40 registered in Catalonia buying their first main residence. The ICF lends up to 20% of the value (maximum €50,000) interest-free, repayable only once the main mortgage, which covers the other 80%, has been paid off. Total household income cannot exceed 6.5 times the IRSC. Bear in mind the home becomes permanently classified as officially protected housing, which caps the price if you later sell or let it.
Even with 100% financing you need savings for the purchase costs: 10% to 12% of the price on a resale property. Jonatan checks whether you qualify and which banks offer it in your case.
Conditions in force on 21 October 2026, according to ICO and the Catalan Government housing department.
Buy and finance with a single point of contact
If you are also looking for a home, AJ Grup handles the purchase and AJ Finances the financing. Viewings happen with your budget already validated and the transaction moves faster. You can work out a first monthly payment with our mortgage calculator.
Can I get a 100% mortgage in Girona?
In some cases, yes: with the ICO guarantee for buyers up to 35 or families with children, or by combining an 80% mortgage with an ICF Emancipation Loan (ages 18 to 40). Both have income limits, and you still need savings for the purchase costs.
What is a mortgage broker?
A mortgage credit intermediary who compares and negotiates mortgages with several banks on the client's behalf. In Spain they must be entered in the official register; Jonatan Sánchez of AJ Finances is registered under number ICI 23/0131.
How much will the bank lend me?
For a main residence, usually up to 80% of the value for residents and 60–70% for non-residents, with a monthly payment of no more than about a third of your net income. We calculate it with your real case.
What term is best for the mortgage?
Up to 30 years is the most common: the monthly payment is lower and you can always repay early.
Does the assessment cost anything?
The initial feasibility assessment is free and without obligation; the terms of the service are agreed in writing before we start.
Shall we look at your mortgage?
Tell us about your case and we will tell you what you can get, with no obligation.
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