I need a mortgage to build a home

With the Build your own home mortgage you can build your new home and we will also finance the site, if necessary. When no home tickles your fancy... build it from scratch.

‘Real ideas,’ make your ideas real

A lakeside retreat... with sea views... nestled in the mountains... or downtown. Build a home in your chosen location and create your future where and how you want it.

As well as the freedom to choose, we’ll give you the freedom to live as you please. Build your own home and make your project a reality.

  • Committed to the environment
  • Maximum mortgage term of 30 years
  • The loan is paid out in instalments as the works progress
  • Pay at your convenience while the work is under way and after completion

Make CREA a green mortgage if you wish...


Paint your home’s future sustainable green

Build your home from scratch and make it Green. Make it environmentally friendly and efficient.

Pull a 2 in 1: design your home to your taste and to that of the planet.
Find answers to your questions here...

1. This Green Mortgage... what is it?
A Crea Green mortgage allows you to create your new home with all the benefits of sustainability, which are manifold.

2. Ok, but... what are these benefits?
In a nutshell: they add value to your home, which will increase your chances of selling it in the future.

3. Mmmmmmm... what does A energy efficiency mean?
It’s very simple: it’s a guarantee that your home is well insulated and built with sustainable materials, thus reducing your energy consumption.

If you want more info 

Contact us!
  • Where would you like to buy?

Long live the people who add up

  • With ease

    Simple processes, where and when you want.
  • With security

    We anticipate your doubts.
  • With freedom

    Keep working with your bank or whomever you want.
  • Personal Manager

    A guide to accompany you throughout the process.
  • Products designed for you

    Tell us what you’re looking for. We’ll work to make it happen.
  • Transparent

    Let’s leave the surprises for parties and birthdays.
  • Digital. Personal.

    The mortgage you design yourself, to your own specifications.

You can count on us: today, tomorrow and always

  • 1

    Before applying

    Don’t waste time searching the Internet. Internet doesn’t have all the answers. Our Personal Manager does. You decide what, how, where and when, and we’ll adapt to you.

  • 2

    During the process

    Our favourite bicycle model is a tandem. You know why? Because we can pedal together, in the same direction. Because it’s what you need during the entire process.

  • 3

    After signing

    We’ll be with you to the end, and beyond. We forge such strong relationships that if you invite us to your birthday party at the end, we can’t say no :)


    Home insurance S1


    Payment protection insurance S2


    Life insurance S3


In a blink of an eye. Turn your house into a home

Don’t call them second-hand houses,
call them homes with potential.


Just a mortgage, nothing else.

Because what doesn't add up, subtracts.
Take out only what you need.

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Start building your future, from zero to infinity

We call your ideas ‘real ideas’ because
together we can make them a reality.

Acronyms and jargon are not our thing. We say it in plain language.

  • APR stands for Annual Percentage Rate and is a financial term that can be defined as the interest rate that indicates the cost or effective yield of a financial product during the term established for the operation.
  • NIR stands for Nominal Interest Rate It is the percentage applied to the outstanding loan capital to calculate the interest that the borrower has to pay the bank or financial institution for the money lent. 
  • Acronym for ‘European Interbank Offered Rate,’ it is the interest rate at which the main financial institutions lend money to each another on the interbank market. One-year Euribor is the most widely used benchmark rate for variable rate loans, and is published monthly by the Bank of Spain.
  • Part of the price advanced by the buyer in a contract of sale as a guarantee that they will purchase the property.

Got questions?

Don’t worry – that’s perfectly normal.

  • Time + Excitement + People + Trust + Digital + Dreams = Our formula for success

  • Simulador

    If only I could. Wait... Maybe I can

Our customers’ opinions

Satisfaction rating given by our customers


Estoy muy contento con*** ya que en todo momento ha

DEC 2022

*** ha sido un gran profesional se ha preocupado

DEC 2022

Excelente servicio al cliente desde el principio hasta el final

NOV 2022

Recibí una atención personal por parte de *** que muchos

NOV 2022

Estamos muy contentos con el servicio q nos dieron ***

NOV 2022

Gracias a *** y su impecable gestión amabilidad y

NOV 2022

Forget about our story. What matters is yours!


Introducing the SUMA product: Buy a house and make it your home

In our quest to continue working to provide bespoke financial solutions to all our customers, at we are pleased to present the new SUMA product: the first mortgage that combines the purchase and renovation of a home under the same loan.


What is the Bono Social Eléctrico?

The Bono Social Eléctrico is a scheme introduced by the government whereby vulnerable consumers (single-parent or large families, victims of terrorism and pensioners, among others) receive a discount on their electricity bill. The discount applied varies...


5 tips for creating a productive workspace at home

The situation caused by the pandemic has changed our lives in many ways and, when we least expected it, we were confronted with a new reality: remote working entered our lives and, for many of us, it is here to stay.

Our agents are licensed to market products as mortgage brokers.
S1 Home insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance company Liberty Seguros, compañía de Seguros y Reaseguros, S.A.

S2 Payment protection insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.

S3 Life insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.

S Insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, registered with the Directorate-General for Insurance and Pension Funds (DGSFP) under no. OV-0076. Civil liability and financial capacity covered according to current legislation. Insurance companies: Cardif Assurances Risques Divers Suc. España, Santander Seguros y Reaseguros, Compañía Aseguradora, S.A., Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. (Caser), Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., CNP Partners de Seguros y Reaseguros, S.A., Cardif Assurance Vie, Sucursal España. For more information, visit the DGSFP’s Single Point of Information at:

  • With clear explanations and large print.

  • Person-to-person. Leave your details today, and we’ll call you tomorrow.

  • Tailored to your circumstances, the mortgage that fits like a glove.