I want to buy a €750,000 home. I have savings and investments, but I don't want to drain everything.
That was how Carmen came to Quality Finance.
Carmen, 43. Partner at a law firm. Valencia.
She has spent years working at a high level. She has €200,000 in savings and €350,000 in investment funds. She has found the property she wants: €750,000. The problem is how to structure the purchase.
Her bank is offering a mortgage at 80% of the value — up to €600,000 — but requires €150,000 as a down payment. That would leave her almost without liquidity. And she doesn't want to touch the funds.
Her situation when she came to Quality Finance:
"I don't want to buy the home of my life and end up with no financial cushion. There has to be a better way to structure this."
What we did together
1. We designed a combined structure
Instead of a single mortgage at 80%, we designed a two-layer structure:
Total financed: €550,000. Actual down payment: €200,000 from savings. Funds: untouched.
2. We reduced the mortgage burden
By mortgaging only 60% instead of 80%, the monthly payment is lower and the total interest cost over 25 years is significantly reduced.
3. We preserved her liquidity
Carmen entered the transaction with her savings covering the down payment, but without touching the €350,000 in funds. Her operational liquidity remained above €50,000.
4. We planned the repayment order
We defined the optimal amortisation sequence: first the pledged credit (higher cost, shorter term), then capital reductions on the mortgage when possible.
Carmen bought the home she wanted with an optimal financial structure. She didn't exhaust her liquidity, didn't sell her investments, and didn't take on more mortgage than necessary.
All case details have been modified to protect privacy. Presented for informational purposes only.