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Call us

Client
clientes@uci.com 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com 912 06 37 90
L-V de 10.00 a 18.00h
Apply for mortgage
Apply for mortgage
MORTGAGE YOU CAN - SECOND HOME

You can get a mortgage for your second home

Feeling at home is not something that should be limited to just one place. If you want to acquire another residence in your vacation spot, or buy another property to invest in, our PUEDES Mortgage is your mortgage.
Request YOU CAN

Your second home, our Mortgage YOU CAN

Download the brochure

The hardest part of an idea is making it a reality. If you want a second home, you just have to take the step. For you, or as an investment for the future, we offer you financing with tailor-made conditions, and a financial advisor who will be by your side for as long as you need.

  • Your future

    Because your second home can also be an investment.

  • Your decision

    Getting there is easier with a team that helps you choose the best option.

  • Your chance

    It's time to buy your home, with a mortgage made for you.

Your Mortgage CAN has the answer

  • The amount that a financial institution can grant for the purchase of a second home varies depending on the financial institution and the applicant's profile. Generally, they tend to finance between 60% and 70% of the appraised value of the property. However, this can vary depending on factors such as the applicant's financial profile, the value of the property and internal policies.
  • The loan uses the second residence as collateral. The terms and conditions will depend on the financial institution. At UCI, the applicant's payment capacity and financial solvency are assessed before granting the loan.

  • To apply for a second home mortgage with UCI, the following requirements must generally be met:
    • Stable and sufficient income: Demonstrate a regular source of income that allows you to pay the mortgage.
    • Positive credit history: No history of non-payments or significant debts.
    • Initial contribution: Have 40% of the value of the home, including expenses.
    • Documentation: Present documents such as identification, latest pay slips, income tax return, and bank statements.
    • Property appraisal: The property must be appraised by an authorized company to determine its market value.

Your decision, your mortgage YOU CAN

  • YOUR SAVINGS MATTER

    Flexibility

    Your mortgage adapts to your financing needs

  • CONTINUE WITH YOUR BANK

    Freedom

    Yes. You can have a Mortgage with us, and nothing more.

  • TELL US THE ADVANTAGES OF YOU CAN

    Commitment

    You give, we give. An efficient home is a bonus on your mortgage.

It's time to receive information

Everything that the POUDES Mortgage has to tell you

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Responsible: Unión de Créditos Inmobiliarios SA EFC (UCI). Contact with the UCI Data Protection Delegate: dpo@uci.com. Purposes and legal basis: With your consent, UCI will process your data to manage your requests, provide you with information about our products and services, and know your assessment of them. Conservation time: We will keep your data for as long as it is necessary to fulfill said purposes. Once completed, UCI will proceed to block them, keeping them only at the disposal of the competent Public Administrations. Communication to third parties: UCI may contract third-party service providers who will have access to your personal data, processing them only for the purposes described, always on behalf of UCI. Rights: You can exercise your rights of access, rectification, deletion, opposition, limitation, portability, as well as the revocation of the consent given, by writing to the email "privacidad@uci.com", or by postal mail to the Post Office 1160, 28080 -Madrid. You can also file your claim with the AEPD at www.aepd.es. How we obtain your data: UCI has obtained your data through forms or requests that you may have completed on one of our websites, in interviews and conversations with our sales representatives, or through third-party companies (for example, real estate portals) with which UCI maintains collaboration agreements. In all cases, with your knowledge, and prior consent for the treatment thereof. You can obtain more information about the processing of your personal data, and how to exercise your rights, by consulting our our Data protection Policy. By clicking on the submit button below, I declare that I have read and accept the above information on Data Protection.
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As I buy my house

  • 1

    Gil

    In 24 hours we have already spoken to you

  • 2

    Simple

    We need very little to tell you if it is viable: we analyze your project based on the purchase price.

  • 3

    Flexible

    Our financing adapts to your savings plan. We understand you. We do the math for tailor-made financing.

  • 4

    Easy

    We don't ask for anything from you. We study your project without obligation.

  • 5

    Staff

    Everything is done after your decision. You are in control of the process.

Your mortgage benefits from insurance

For a safer future S

The future is uncertain, it is just a choice. Take out one of the insurance policies we offer and breathe easy.

Study our insurance

You still have a lot to know about your Mortgage YOU CAN

Read our articles

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You can get a mortgage, and everything you need

Because each person, due to his interest, has his own type.

  • Variable Type

    You change yourself, and your rate. Fixed rate the first year and variable the rest of the mortgage, changing according to the Eurbor.

  • Mixed Type

    You don't settle for the same thing. Fixed rate for the first few years, and variable for the rest of your mortgage.

  • Fixed Type

    You don't want changes, but a rate that doesn't vary. Up to 30 years, without depending on changes in the Eurbor.

All insurance is mediated by Unión de Créditos Inmobiliarios, SA, Establecimiento Financiero Crédito, Operador de Banca-seguros Vinculado. Registered office at Calle Amaltea, 32, 1º, 28045, Madrid. Company registered in the Mercantile Registry of Madrid, Volume 29,491, Book 0, Folio 174, Section 8, Sheet M. 67,739. CIF A39025515. Registered in the Registry of the General Directorate of Insurance and Pension Funds with no. OV-0076. The mediator has Professional Civil Liability Insurance and financial capacity as established by current legislation.

SANTANDER Seguros y Reaseguros, Compañía Aseguradora, S.A. Av. De Cantabria, S/N. 28660, Madrid. CIF A46003273. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0037, in life insurance, permanent total disability insurance and home insurance.

CARDIF Assurance Vie, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012421D. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0129, in life insurance and permanent total disability.

CARDIF Assurances Risques Divers, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. With CIF. W0012420F. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0130, in temporary disability and unemployment insurance and home insurance.

GENERALI Seguros y Reaseguros, SAU Paseo de las Doce Estrellas, 4, 28042, Madrid. CIF. A48037642. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code C0467-G0056, in life and permanent total disability insurance and in home insurance.

CAJA DE SEGUROS REUNIDOS, Insurance and Reinsurance Company, SA (CASER), Avenida de Burgos, 109, 28050, Madrid. CIF A28013050 Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0031, in life and permanent total disability insurance and in home insurance.

ZURICH VIDA, Compañía de Seguros y Reaseguros, S.A., Paseo de la Castellana, 81, 22nd floor, 28046, Madrid, CIF. A08168213. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0039, in life insurance and permanent total disability.