{"id":1289,"date":"2025-08-06T12:29:34","date_gmt":"2025-08-06T12:29:34","guid":{"rendered":"https:\/\/avalteca.com\/mortgages-for-the-self-employed\/"},"modified":"2025-09-16T18:29:46","modified_gmt":"2025-09-16T18:29:46","slug":"mortgages-for-the-self-employed","status":"publish","type":"page","link":"https:\/\/avalteca.com\/en\/mortgage-services\/specialized-mortgages\/mortgages-for-the-self-employed\/","title":{"rendered":"Mortgages for the Self-Employed"},"content":{"rendered":"\n
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Mortgages for Homes and Commercial Properties<\/div>\n\n\n\n

Mortgages for the Self-Employed<\/h1>\n\n\n\n
Make Your Projects a Reality as a Self-Employed Professional<\/div>\n\n\n\n
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How to Get a Mortgage as a Self-Employed ProfessionalWe Help the Self-Employed Get Their Mortgage<\/span><\/h2>\n\n\n\n
Self-employed workers often face more obstacles when applying for financing.<\/strong>Banks scrutinize income, require more documentation, and in many cases apply stricter conditions than they do for salaried employees.<\/strong>At AvalTeca, we understand this reality and work to make accessing a mortgage as a self-employed person in Mallorca<\/strong> and the Balearic Islands a smoother process.<\/strong>We take care of the entire process: from the initial analysis to direct negotiation with banks.<\/strong>We prepare the documentation, present your profile in the best possible way, and defend your interests so you can achieve the best mortgage conditions as a self-employed professional.<\/strong><\/div>\n\n\n\n
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Financing for Commercial Properties in the Balearic IslandsWe Help the Self-Employed Get Their Mortgage<\/span><\/h2>\n\n\n\n
In addition to homes, self-employed professionals also need spaces to carry out their activity.At AvalTeca, we help manage mortgages for commercial properties<\/strong>, analyzing the options banks offer and negotiating conditions that allow you to grow without taking on an excessive burden.<\/div>\n\n\n\n
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Advantages of Trusting AvalTecaAt AvalTeca, we review every detail that may influence the approval of your mortgage:<\/span><\/h2>\n\n\n\n
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Experience in Mortgages for Profiles with Variable Income<\/span><\/div>
Direct Contact with Banks that Understand the Reality of the Self-Employed<\/span><\/div>
Complete Transparency in Conditions and Fees<\/span><\/div>
Comprehensive Service: From the Initial Study to the Signing<\/span><\/div>
Close Communication, Answering Questions at Every Step of the Way<\/span><\/div><\/div>\n<\/div>\n<\/section>\n\n\n\n
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The most important aspect when presenting a profile to banks is the balance between solvency and stability. In the case of self-employed individuals, this is not always fully met, which is why it is important to present documentation strategically to increase the chances of access and negotiation. <\/strong><\/div>\n<\/div><\/div><\/div>\n<\/div>\n <\/div><\/section>\n<\/div>\n <\/div><\/section>\n\n
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How We Work at AvalTecaOur Method Combines Approachability, Security, and Precision<\/span><\/h2>\n\n\n\n
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Free Assessment<\/strong><\/p>\n\n\n\n

Free, No-Obligation Assessment of Your Financial Situation<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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Presentation of Offers<\/strong><\/p>\n\n\n\n

Presentation of Offers from Several Institutions in Mallorca and the Balearic Islands<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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Comparison<\/strong><\/strong><\/p>\n\n\n\n

Detailed Comparison with Clear Explanations<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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Negotiation<\/strong><\/strong><\/p>\n\n\n\n

Personalized Negotiation to Improve Conditions<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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Always with You<\/strong><\/strong><\/strong><\/p>\n\n\n\n

Support Until the Signing of the Mortgage<\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n

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Your opinion is the most important thing<\/div>\n\n\n\n

Customer Testimonials<\/h2>\n\n\n\n
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We were fortunate to have Jordi as our mortgage broker, and we could not be more satisfied. From the first moment he offered us a close, clear and professional treatment. He accompanied us throughout the mortgage process, resolving every doubt quickly and efficiently, and today we have been able to complete the purchase of our home thanks to his excellent work. Totally recommended! <\/div>\n<\/div>\n\n\n\n
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Francisco Jos\u00e9 Copete Garc\u00eda<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n
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A very good experience with the personalized treatment Jordi gives his clients. You quickly build trust with him, as if he were your trusted friend. Many thanks to Finance Luxe Group for helping my wife and me get the house we wanted. Highly Recommended, 100%.<\/div>\n<\/div>\n\n\n\n
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Marc Manrique<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n
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We went to ask for information because we wanted to build our house with a mortgage. They have guided me in both the mortgage and the appraisal. Totally recommended, especially a special thanks to Jordi. <\/div>\n<\/div>\n\n\n\n
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RT Abogados y Asociados<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n
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I want to thank all the advice I received to acquire my first house. From the first communication, Jordi was fully aware of every detail, resolving all my doubts and accompanying me in the process. In less than 29 days he managed my mortgage with the best possible conditions. The most important thing is that he showed me great responsibility, commitment and professionalism. Do not hesitate to consult him. People like Jordi are much needed in our society. <\/div>\n<\/div>\n\n\n\n
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Alicia Franco<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n
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Thanks to their services we were able to have the mortgage at 90% with an interest rate of 2.25. Great professionalism and very attentive at all stages. <\/div>\n<\/div>\n\n\n\n
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Rafa Morales Alguacil<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>
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Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n
If this FAQ section doesn\u2019t answer your questions, don\u2019t hesitate to contact us.<\/div>\n\n\n\n
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Is It More Difficult to Get a Mortgage as a Self-Employed Person?<\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, banks usually require more documentation and guarantees, but with proper preparation it is entirely possible.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What Documentation Do Banks Require from a Self-Employed Person?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Normally tax returns, VAT filings, employment history, and financial statements.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I Finance Both a Home and a Commercial Property?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, at AvalTeca we help with both the purchase of a primary or investment home as well as commercial properties for professional activity.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":1428,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_gspb_post_css":":root{--swiper-theme-color:#007aff}.swiper,swiper-container{margin-left:auto;margin-right:auto;position:relative;overflow:hidden;list-style:none;padding:0;z-index:1;display:block}.swiper-vertical>.swiper-wrapper{flex-direction:column}.swiper-wrapper{position:relative;width:100%;height:100%;z-index:1;display:flex;transition-property:transform;box-sizing:content-box}.swiper-android .swiper-slide,.swiper-wrapper{transform:translate3d(0,0,0)}.swiper-horizontal{touch-action:pan-y}.swiper-vertical{touch-action:pan-x}.swiper 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