Welcome to Oro Estate. How can I help you today?
Log in to manage your profile, wishes and saved homes.
Owned your home for a while? Chances are it's now worth more than when you bought it. That difference is your home equity. Calculate roughly how much equity you have right now and explore everything you can do with it.
Enter what you paid and when you bought. We'll estimate the current value based on the housing price index.
Based on your purchase data and the housing price index. Adjust if needed.
This is an indication based on the data you entered. The actual equity may differ. Get in touch for personal advice.
View propertiesHome equity is the difference between the market value of your home and your remaining mortgage balance. If your home is worth more than what you still owe the bank, you have built up equity.
Housing prices have risen sharply over the past years. That means many homeowners — sometimes without realising it — have built up substantial equity.
Your home equity finances the down payment for a home in Spain. Here's how it works.
Calculate how much equity you have built up. That's your starting capital for a home in Spain.
Increase your mortgage or refinance to free up your equity as a down payment for the purchase.
We select homes that match your budget and wishes — personally inspected and guided.
From Spanish mortgage to notary and key handover — we guide you through the entire process.
Home equity is the difference between the current market value of your home and your remaining mortgage balance. The market value can be assessed by an appraiser, or you can get an initial indication from comparable sales in your area.
Yes, you can. You can use your equity as a down payment for a home abroad. By increasing or refinancing your existing mortgage you can free up capital. We're happy to advise you on the options.
In Spain, banks typically finance up to 60-70% of the purchase price for non-residents. That means you need at least 30-40% as a down payment, plus around 10-13% in closing costs (taxes, notary, etc.). Your equity often (partly) covers this.
When increasing a mortgage you typically pay appraisal fees, advisory fees and notary fees. The exact cost depends on your situation and lender. We recommend having this calculated by a mortgage advisor.
The calculation on this page provides an indication. For an accurate calculation an official appraisal is needed. The actual equity you can use also depends on your income, age and the conditions of your lender.