{"id":1418,"date":"2025-08-06T12:00:49","date_gmt":"2025-08-06T12:00:49","guid":{"rendered":"https:\/\/avalteca.com\/mortgage-services\/initial-mortgage-advisory\/financial-evaluation\/"},"modified":"2025-09-16T18:19:49","modified_gmt":"2025-09-16T18:19:49","slug":"financial-evaluation","status":"publish","type":"page","link":"https:\/\/avalteca.com\/en\/mortgage-services\/initial-mortgage-advisory\/financial-evaluation\/","title":{"rendered":"Financial Evaluation"},"content":{"rendered":"\n
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Initial Mortgage Advisory<\/div>\n\n\n\n

Financial Evaluation<\/h1>\n\n\n\n
The First Step to Buying Your Home in Mallorca<\/strong><\/div>\n\n\n\n
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What is a Financial Assessment and Why is it Key in Mallorca?We help you decipher your numbers and plan your mortgage future<\/span><\/h2>\n\n\n\n
At AvalTeca, we believe that applying for a mortgage without a proper analysis of your situation is like jumping into the sea without checking the forecast.<\/strong>A financial assessment <\/strong>is a study that determines your real capacity to take on a mortgage by analyzing income, expenses, debts, and savings.<\/strong>In a market as competitive as Mallorca and the Balearic Islands, this step is your best tool to get fair conditions tailored to you.<\/strong><\/div>\n\n\n\n
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Financial Assessment Helps You Get Better MortgagesWe help you decipher your numbers and plan your mortgage future<\/span><\/h2>\n\n\n\n
When you present a solid financial profile, institutions have more confidence in you.This means lower interest rates<\/strong>, better terms, and more financing.Our job is to optimize everything before submitting the application, so you can negotiate from an advantageous position with the banks operating in Mallorca and the Balearic Islands.<\/div>\n\n\n\n
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Financial Assessment for a Second HomeWe help you decipher your numbers and plan your mortgage future<\/span><\/h2>\n\n\n\n
Buying a second home in Mallorca and the Balearic Islands is common, as is purchasing properties for investment.In these cases, banks apply stricter criteria, with lower debt-to-income ratios.AvalTeca helps you prepare your financial profile to meet these requirements and increase your chances of approval.<\/div>\n\n\n\n
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Factors We Analyze in Your Financial StudyAt AvalTeca, we review every detail that may influence the approval of your mortgage:<\/span><\/h2>\n\n\n\n
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Income to debt ratio<\/span><\/div>
Job or business stability<\/span><\/div>
Assets and available savings<\/span><\/div>
Credit history<\/span><\/div>
Fixed and Variable Expenses<\/span><\/div><\/div>\n<\/div>\n<\/section>\n\n\n\n
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Looking for a property without a clear idea of your real possibilities is extremely risky. You could face mortgage rejections, loss of your deposit, or payment commitments that limit your quality of life. If we perform the financial assessment for your future mortgage, you will have no hidden mysteries on your path to getting your mortgage and your home. <\/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 and Precision<\/span><\/h2>\n\n\n\n
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We Document<\/strong><\/p>\n\n\n\n

We gather and review your documentation<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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We Analyze<\/strong><\/p>\n\n\n\n

We perform a complete financial analysis<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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We Plan<\/strong><\/strong><\/p>\n\n\n\n

We design a strategy tailored to your profile<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n <\/div><\/div>\n\n\n\n

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We Connect<\/strong><\/strong><\/p>\n\n\n\n

We search for and compare mortgage offers<\/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

We accompany you throughout the entire process, until the signing<\/strong><\/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 lucky to have Jordi as our mortgage broker, and we couldn’t be more satisfied. From the very first moment, he offered us a friendly, clear, and professional service. He accompanied us throughout the entire 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. 100% Recommended<\/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 you for all the advice I received to buy my first home. From the very first communication, Jordi was completely attentive to every detail, resolving all my doubts and accompanying me throughout the process. In less than 29 days, he arranged my mortgage with the best possible conditions. Most importantly, he showed me great responsibility, commitment, and professionalism. Don’t hesitate to ask him. People like Jordi are sorely 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’t answer your questions, don’t hesitate to contact us.<\/div>\n\n\n\n
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Book your Appointment<\/span><\/span><\/span><\/a><\/div>\n\n\n\n
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What does a financial assessment include?<\/strong><\/div><\/span><\/span><\/span><\/div>
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It includes the analysis of your income, expenses, debts, and savings capacity to determine which mortgage is viable for you.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is it mandatory to have a financial assessment before applying for a mortgage?<\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It is not mandatory, but it is recommended to avoid rejections and negotiate better conditions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I get the assessment if I haven’t found a property yet?<\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, in fact, it’s ideal because it lets you know how far you can go before you start looking.<\/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":1410,"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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