Mortgage loan

Mortgage loan from FinTim - Your way to your own home

Need funds to buy a new home or invest in real estate? A mortgage loan is your secure solution for financing such purposes, providing the necessary funds on transparent and long-term terms. At FinTim, we have experts who will assist you throughout the application process, offering you the lowest interest rates and favorable terms provided by our partner banks. Our service is completely free of charge and the consultation will give you the ultimate peace of mind and confidence in your choice.

What is a mortgage loan?

A mortgage loan is a targeted loan where the bank provides the customer a certain amount to finance the purchase of real estate. Unlike a consumer loan, which can be used for a variety of personal needs and does not require collateral, a mortgage loan is intended solely for the purchase of real estate. It is secured by a mortgage on the property itself or another, which provides the bank with a guarantee in the event of default. Mortgage loans are a preferred way of home acquisition among many. They allow customers to avail large sums of money at relatively low interest rates and long repayment period.

How do I request for a mortgage and how long does it take?

The application process often involves multiple steps, such as collecting the necessary documents, proving monthly income and analysing your financial situation. The time it takes to get approved depends on the specific bank and the customer's willingness to submit all the necessary documents on time. The FinTim team works to minimize this timeframe by coordinating and optimizing communication between the client and the banking institutions to ensure a quick and efficient result.

What are the conditions for obtaining a mortgage loan?

The conditions for a mortgage loan can vary by banking institution, but usually include a down payment requirement, proof of a stable income, and submission of required documents.

The deductible is a portion of the property value that the customer pays on their own, while the rest is covered by the loan.The bank also requires proof of income to be sure of the customer's ability to pay. It is also necessary to provide documents for the property itself that certify its legality and the possibility of being mortgaged.

How can FinTim assist during this process?

FinTim is a licensed credit consultant and trusted partner of leading banks in Bulgaria.

Our mission is to provide advantageous and individually tailored terms for each client by analyzing and comparing different mortgage offers. Our main goal is to provide optimal solutions that fully meet your requirements.

Step by step: efficiency and transparency

1. Free analysis of your needs: the first step is a free consultation where we will discuss your priorities, amount needed, repayment period and monthly payment amount.

2. Selection of the best offers: taking into account your criteria, our team will select the optimal offers from our partner banks to provide you competitive terms and low interest rates.

3. Documentation assistance: We will guide you in collecting and completing the necessary documents so that the process is clear and straightforward, and minimize the risk of delays in approval.

4. Support until the final stage: We stay by your side throughout the process, until the final approval and signing of the contract with the chosen bank.

Why choose FinTim for your mortgage loan?

✔️ Lowest interest rates: thanks to our partnerships, we can offer the lowest interest rates on the market and provide the most advantageous conditions for our customers.

✔️ Free consultation: FinTim's service for individuals and small and medium-sized enterprises is completely free of charge.

✔️ Expert support: from choosing a bank to signing the contract, we are by your side every step of the way, ensuring transparency and efficiency.

✔️ Discretion and security: Your information and personal data are protected to the highest standards of security and confidentiality.

Contact FinTim for a free consultation and together let's take the first step towards your new home with the best mortgage!