With the real estate market in Spain evolving fast, the return of attractive mortgage conditions is opening new doors — especially for younger buyers. One of the most impactful changes right now? ICO-backed mortgages offering 100% financing for buyers under 35.
This shift is not just good news for buyers — it’s a potential game-changer for property sellers too.
The Opportunity
Thanks to falling interest rates and this government-backed scheme, more people are now eligible to buy homes with no initial deposit. That’s particularly true for first-time buyers. And they’re actively searching.
But here’s the catch: not all properties qualify for a mortgage — and that’s where many sellers get stuck.
What’s the Risk for Sellers?
A growing number of rural and village homes — especially older ones — have incomplete paperwork. This might include:
- Undeclared floor space
- Missing occupancy certificates
- Buildings not formally registered
If your property has any of these issues, it cannot be mortgaged. That means even if a young, motivated buyer falls in love with your house, the bank won’t lend. And the sale will fall through.
Most Sellers Don’t Know
At Hola Properties, we’ve seen this time and time again. Owners are often unaware that their paperwork is incomplete or outdated. Without knowing, they’re missing out on an entire market segment — especially buyers aged 25–35 who depend on financing.
But the good news? In many cases, the documentation can be corrected quickly.
What You Should Do
If you’re thinking of selling your property:
✅ Let us review your documents — free of charge
✅ We’ll tell you whether your home can be sold with a mortgage
✅ If there’s an issue, we’ll explain how to fix it (and who can help)
There’s a big difference between a home that’s “for sale” and one that’s sale-ready. Don’t get caught out.
Why It Matters Now
Mortgage buyers represent a huge percentage of the market again. ICO mortgages in particular are only available for a limited time — and this buyer wave won’t last forever.
If your property qualifies, you could:
- Reach more buyers
- Sell faster
- Sell for a better price
Final Thoughts
The mortgage market in Spain is changing. For sellers, that creates new opportunities — but only if your property is prepared.
Whether you’re in the Lecrín Valley, Orgiva, the Costa Tropical or Granada city, we’re here to help.
📞 Call us today for a no-obligation document check. 0034 858 215 333
📍 At Hola Properties, we don’t just list your home — we make sure it’s ready to sell.
