MORTGAGE ADVISOR
Clear mortgages that work in your favor in Campo de Gibraltar and Costa del Sol.
WELCOME
Friendly, results-oriented mortgage advice
My name is Manuel Muñoz (Hipofácil). I will accompany you from start to finish to get the best financing for your home, with clear language and comprehensive management until the signing.
I analyze your case, compare banks, and negotiate on your behalf so you save time, money, and worry. I explain each step transparently and take care of the paperwork so that you arrive at the signing with everything under control. I work with mortgages with up to 100% financing (depending on your profile and the lender), personal loans to supplement your savings, and debt consolidation if you need to organize your payments. If you need help managing your mortgage, don’t hesitate to contact me!
MORTGAGE SERVICES
Financial advice
I analyze your situation, capacity, and objectives. A realistic purchasing strategy. Clarity, scenarios, and a roadmap to make confident decisions.
Mortgage loan
I compare and negotiate to maximize financing and ensure a sustainable payment. Interest rate/APR, fees, and conditions with no fine print.
Personal loan
If you are short on funds for expenses and taxes, I will evaluate personal financing options to close the deal without straining your liquidity.
Financial reunification
Financial reunification: consolidate your debts into a single payment with better terms and rates; regain control of your monthly cash flow and simplify your day-to-day financial management today.
Purchasing strategy
Pre-approval and purchasing strategy: we set a target budget and I manage the pre-approval process; view properties with bank backing and greater prior negotiating power today.
Management until signing
Comprehensive management until signing: I coordinate documentation, appraisal, and negotiation; proactive monitoring of milestones and requirements.
OUR COMMITMENT
Your peace of mind and the best banking service are my priority.
With me, you will have complete transparency: I explain every step, clause, and cost in clear language. My goal is for you to make informed decisions, with no surprises and with the best option for your profile.
I work closely and efficiently in the Campo de Gibraltar and Costa del Sol areas, as well as online. Confidentiality, quick responses, and genuine support from the first contact to the signing. If you need help managing your mortgage, don’t hesitate to contact me!
Request your free mortgage assessment today
I will explain in a brief phone call what financing you can obtain, the steps to follow, and the necessary documentation. Simple process, no obligation, and priority service in Campo de Gibraltar and Costa del Sol.
Get in touch with us