{"id":5119,"date":"2024-06-15T13:30:36","date_gmt":"2024-06-15T13:30:36","guid":{"rendered":"https:\/\/kaleidoscope.es\/?page_id=5119"},"modified":"2026-02-03T17:13:35","modified_gmt":"2026-02-03T17:13:35","slug":"promoter-mortgage","status":"publish","type":"page","link":"https:\/\/kaleidoscope.es\/en\/promoter-mortgage\/","title":{"rendered":"Promoter mortgage"},"content":{"rendered":"\n\t<section class=\"section title-background-section\" id=\"section_1185228612\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1429\" height=\"569\" src=\"https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/11\/Promoter-Mortage.svg\" class=\"bg attachment- size-\" alt=\"\" \/>\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row\" style=\"max-width:1760px\" id=\"row-2114126759\">\n\n\t<div id=\"col-824171410\" class=\"col pb-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<a href=\"\/en\/\" class=\"button primary is-link simple-link-button\" >\n\t\t<span>Back to home<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-824171410 > .col-inner {\n  padding: 30px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-423984980\" class=\"gap-element clearfix hide-for-small\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-423984980 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\"  id=\"row-102651893\">\n\n\t<div id=\"col-401689302\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2481335296\" class=\"text\">\n\t\t\n<p>Finance your home<\/p>\n\t\t\n<style>\n#text-2481335296 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-2094650517\" class=\"text fw-600\">\n\t\t\n<h1 data-animate=\"fadeIn\">Promoter Mortgage,<br \/>the best loan for your renovation<\/h1>\n\t\t\n<style>\n#text-2094650517 {\n  font-size: 2rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-2094650517 {\n    font-size: 2.75rem;\n  }\n}\n@media (min-width:850px) {\n  #text-2094650517 {\n    font-size: 3.125rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<a href=\"#saber-mas\" class=\"button primary icon-right-button arrow-up-button\" style=\"padding:5px 20px 5px 20px;\">\n\t\t<span>More information<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-401689302 > .col-inner {\n  padding: 0px 0px 0px 0px;\n}\n@media (min-width:850px) {\n  #col-401689302 > .col-inner {\n    padding: 0px 0px 0px 25%;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-290525914\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-290525914 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-290525914 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-290525914 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\"  id=\"row-164462082\">\n\n\t<div id=\"col-1550284373\" class=\"col medium-12 small-12 large-2\"  data-animate=\"fadeInLeft\">\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-946221818\" class=\"text fw-600\">\n\t\t\n<h3>What is a Promoter Mortgage?<\/h3>\n\t\t\n<style>\n#text-946221818 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:850px) {\n  #text-946221818 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1550284373 > .col-inner {\n  padding: 0px 30px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1299080535\" class=\"col medium-6 small-12 large-5\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1069547794\" class=\"text\">\n\t\t\n<p>A Promoter mortgage is a type of mortgage loan that is used to finance the purchase of a property under construction or in the process of renovation (logically, we are not referring to the purchase of a half-built property, but rather we are referring to buying a property that needs renovation and including both the property and the renovation in the mortgage). This is a very popular option for those who wish to purchase a home that needs renovation or renovate an existing one, as it allows the purchase of the property and the renovation work to be financed together.<\/p>\n\t\t\n<style>\n#text-1069547794 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-759939618\" class=\"col medium-6 small-12 large-5\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1947876942\" class=\"text\">\n\t\t\n<p>If you are thinking of buying a house to renovate it later to your liking and you need financing, a \u2018Hipoteca Promotor\u2019 can be a good option to avoid having a mortgage on the one hand (for the house) and a loan (for the renovation) or, simply, to avoid decapitalising yourself. In this article, we explain everything you need to know about the Hipoteca Promotor, from how it works to all its advantages..<\/p>\n\t\t\n<style>\n#text-1947876942 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-417775747\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-417775747 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-417775747 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-417775747 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1185228612 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n#section_1185228612 .section-bg img {\n  object-position: 51% 53%;\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section hipoteca-section\" id=\"section_742919175\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\n  <div class=\"banner has-hover\" id=\"banner-1978402310\">\n          <div class=\"banner-inner fill\">\n        <div class=\"banner-bg fill\" >\n            <img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"600\" src=\"https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/06\/financiacion-background-1920x1130.jpg\" class=\"bg attachment-large size-large\" alt=\"\" \/>                                    \n                    <\/div>\n\t\t\n        <div class=\"banner-layers container\">\n            <div class=\"fill banner-link\"><\/div>            \n   <div id=\"text-box-917435687\" class=\"text-box banner-layer max-width-textbox x50 md-x50 lg-x50 y20 md-y30 lg-y30 res-text\">\n                                <div class=\"text-box-content text dark\">\n              \n              <div class=\"text-inner text-center\">\n                  \n\t<div id=\"text-3567196187\" class=\"text fw-300 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">We help you choose the most suitable financing option according to your renovation and acquisition needs.<\/p>\n\t\t\n<style>\n#text-3567196187 {\n  font-size: 1.25rem;\n  line-height: 1.5;\n}\n@media (min-width:550px) {\n  #text-3567196187 {\n    font-size: 1.75rem;\n  }\n}\n@media (min-width:850px) {\n  #text-3567196187 {\n    font-size: 2.125rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-412935800\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-412935800 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3125974269\" class=\"text txt-m-0\">\n\t\t\n<p>And the Promoter Mortage may be one of the most interesting ones.<\/p>\n\t\t\n<style>\n#text-3125974269 {\n  font-size: 0.875rem;\n}\n@media (min-width:550px) {\n  #text-3125974269 {\n    font-size: 1.125rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n              <\/div>\n           <\/div>\n                            \n<style>\n#text-box-917435687 {\n  width: 100%;\n}\n#text-box-917435687 .text-box-content {\n  font-size: 100%;\n}\n<\/style>\n    <\/div>\n \n        <\/div>\n      <\/div>\n\n            \n<style>\n#banner-1978402310 {\n  padding-top: 400px;\n}\n@media (min-width:550px) {\n  #banner-1978402310 {\n    padding-top: 650px;\n  }\n}\n@media (min-width:850px) {\n  #banner-1978402310 {\n    padding-top: 750px;\n  }\n}\n<\/style>\n  <\/div>\n\n\n\t\t<div class=\"arrow-ellipse\">\n\t\t\t\t\n<p><img decoding=\"async\" class=\"ellipse\" src=\"\/wp-content\/uploads\/2024\/06\/ellipse.svg\" alt=\"ellipse\"><img class=\"parallax-active arrow-down\"  data-parallax-fade=\"true\" data-parallax=\"-1\"src=\"\/wp-content\/uploads\/2024\/06\/vector-down.svg\" alt=\"arrow\"><br \/>\n\t\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_742919175 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n<\/style>\n\t<\/section>\n\t\n<span class=\"scroll-to\" data-label=\"Scroll to: #saber-mas\" data-bullet=\"false\" data-link=\"#saber-mas\" data-title=\"saber-mas\"><a name=\"saber-mas\"><\/a><\/span>\n\n\t<section class=\"section dark\" id=\"section_557059122\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\t<div id=\"gap-931688205\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-931688205 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-931688205 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-931688205 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row row-collapse row-full-width\"  id=\"row-573850039\">\n\n\t<div id=\"col-154816837\" class=\"col pad-left-col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-223232531\" class=\"text\">\n\t\t\n<p>Phases of financing<\/p>\n\t\t\n<style>\n#text-223232531 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-929537417\" class=\"col pad-left-col medium-12 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2496925120\" class=\"text fw-600\">\n\t\t\n<h2 data-animate=\"fadeIn\">The Promoter Mortgage and its phases<\/h2>\n\t\t\n<style>\n#text-2496925120 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-2496925120 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1892998998\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1892998998 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3038400766\" class=\"text\">\n\t\t\n<p>As we said, a Promoter Mortgage is a type of mortgage loan that is used to finance the purchase or construction of a property in the real estate market and add the renovation. This option, normally only used by property developers, is a very attractive option for anyone wishing to invest in the purchase of a property and renovate it, either to make it their home or as an investment. At Kaleidoscope we can help our clients choose the most suitable financing option for their needs, and the Developer Mortgage may be one of the most interesting. Let&#8217;s see why.<\/p>\n\t\t\n<style>\n#text-3038400766 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-929537417 > .col-inner {\n  padding: 0px 0px 0px 0px;\n}\n@media (min-width:850px) {\n  #col-929537417 > .col-inner {\n    padding: 0px 10% 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-377672303\" class=\"col medium-12 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<div class=\"row row-collapse row-full-width align-equal\"  id=\"row-1324427253\">\n\n\t<div id=\"col-1307786049\" class=\"col medium-3 small-12 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2209183609\" class=\"text fw-600\">\n\t\t\n<p data-animate=\"fadeIn\">Phase<br \/>floor<\/p>\n\t\t\n<style>\n#text-2209183609 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-2209183609 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1264580455\" class=\"col pad-right-col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2782013922\" class=\"text\">\n\t\t\n<p>At this stage, the bank, if it approves our application, will give us around 20%-25% of the loan amount so that we can start with the work. Obviously, this money should be more than enough for the refurbishment company to supply the materials and the first phases involved in a building project of this style.<\/p>\n\t\t\n<style>\n#text-2782013922 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0px;margin-bottom:0px;max-width:100%;height:1px;background-color:rgb(255, 255, 255);\"><\/div>\n<div class=\"row row-collapse row-full-width align-equal\"  id=\"row-427030669\">\n\n\t<div id=\"col-398225431\" class=\"col medium-3 small-12 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-268696973\" class=\"text fw-600\">\n\t\t\n<p data-animate=\"fadeIn\">Certification<br \/>\nphase<\/p>\n\t\t\n<style>\n#text-268696973 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-268696973 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-398225431 > .col-inner {\n  padding: 30px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-667667189\" class=\"col pad-right-col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-391813271\" class=\"text\">\n\t\t\n<p>Whether 50% of the total amount is sufficient for the complete renovation of the house or not, as the architect in charge of the project certifies that the work is progressing according to plan, the financial institution will unblock the various outstanding payments in several instalments.<\/p>\n\t\t\n<style>\n#text-391813271 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-667667189 > .col-inner {\n  padding: 30px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0px;margin-bottom:0px;max-width:100%;height:1px;background-color:rgb(255, 255, 255);\"><\/div>\n<div class=\"row row-collapse row-full-width align-equal\"  id=\"row-282067663\">\n\n\t<div id=\"col-1182982990\" class=\"col medium-3 small-12 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1882388785\" class=\"text fw-600\">\n\t\t\n<p data-animate=\"fadeIn\">Final phase<br \/>of work<\/p>\n\t\t\n<style>\n#text-1882388785 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-1882388785 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1182982990 > .col-inner {\n  padding: 30px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-6254994\" class=\"col pad-right-col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3628837955\" class=\"text\">\n\t\t\n<p>Once the renovation of the property has been completed, the architect must corroborate or certify the end of the work and confirm that the property is habitable. With this procedure, the financial institution will have to pay the remaining amount of the developer mortgage requested, which, obviously, we will have to pay back little by little.<\/p>\n\t\t\n<style>\n#text-3628837955 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-6254994 > .col-inner {\n  padding: 30px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-377672303 > .col-inner {\n  padding: 40px 15px 0px 15px;\n}\n@media (min-width:850px) {\n  #col-377672303 > .col-inner {\n    padding: 0px 0px 0px 10%;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-1891813843\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1891813843 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-1891813843 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-1891813843 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_557059122 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(66, 65, 62);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section dark\" id=\"section_580808534\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0px;margin-bottom:0px;max-width:100%;height:1px;background-color:rgba(255, 255, 255, 0.302);\"><\/div>\n\t<div id=\"gap-759326001\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-759326001 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-759326001 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-759326001 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\"  id=\"row-975788018\">\n\n\t<div id=\"col-1321227433\" class=\"col medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-702980554\" class=\"text\">\n\t\t\n<p>Application and processess<\/p>\n\t\t\n<style>\n#text-702980554 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3525737745\" class=\"text fw-600\">\n\t\t\n<p>How does the Promoter Mortage work?<\/p>\n\t\t\n<style>\n#text-3525737745 {\n  font-size: 1.35rem;\n  line-height: 1.3;\n}\n@media (min-width:550px) {\n  #text-3525737745 {\n    font-size: 1.5rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-189341544\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-189341544 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-1653996757\" class=\"text\">\n\t\t\n<p>Before we begin to enumerate the steps involved in taking out a Prpmoter Mortage, it is important to bear in mind that acquiring a property through a mortgage is a major financial decision and should be carefully planned. A detailed assessment of personal finances and the total price of the property is necessary. The following are the steps to follow in order to take out a developer mortgage:<\/p>\n\t\t\n<style>\n#text-1653996757 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-441748444\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-441748444 {\n  padding-top: 50px;\n}\n<\/style>\n\t<\/div>\n\t\n<a href=\"\/en\/contact\/\" class=\"button white is-outline icon-right-button arrow-up-button\" style=\"padding:5px 20px 5px 20px;\">\n\t\t<span>Request for advice<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1321227433 > .col-inner {\n  padding: 0px 10% 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-836698282\" class=\"col pb-0 medium-4 small-12 large-4\"  data-animate=\"fadeInRight\">\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_636186159\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"564\" height=\"1183\" src=\"https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/06\/solicitud-procesos.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/06\/solicitud-procesos.jpg 564w, https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/06\/solicitud-procesos-488x1024.jpg 488w\" sizes=\"auto, (max-width: 564px) 100vw, 564px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_636186159 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-836698282 > .col-inner {\n  padding: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-836698282 > .col-inner {\n    padding: 0px 0px 0px 20%;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row align-equal\"  id=\"row-1575834024\">\n\n\t<div id=\"col-1437740250\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-1193917913\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>01<\/p>\n\t\t\n<style>\n#text-1193917913 {\n  font-size: 1.5rem;\n  color: rgb(200, 185, 151);\n}\n#text-1193917913 > * {\n  color: rgb(200, 185, 151);\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-608528982\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-608528982 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-799539451\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">Application for the<br \/>\nmortgagea<\/p>\n\t\t\n<style>\n#text-799539451 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1841796321\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1841796321 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-2108921390\" class=\"text\">\n\t\t\n<p>To obtain a Hipoteca Promotor, you must apply through a bank or financial institution. A down payment of 20-30% of the total price of the property is often required. You must also submit a number of documents, such as your credit history, your employment status and your income and expenses.<\/p>\n\t\t\n<style>\n#text-2108921390 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1437740250 > .col-inner {\n  padding: 0px 0px 0px 0px;\n  margin: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1437740250 > .col-inner {\n    padding: 0px 20% 0px 0px;\n  }\n}\n@media (min-width:850px) {\n  #col-1437740250 > .col-inner {\n    margin: -20vw 0px 60px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1656300105\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-923430741\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>02<\/p>\n\t\t\n<style>\n#text-923430741 {\n  font-size: 1.5rem;\n  color: rgb(200, 185, 151);\n}\n#text-923430741 > * {\n  color: rgb(200, 185, 151);\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1410630770\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1410630770 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-2885832536\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">Valuation of<br \/>\nthe property<\/p>\n\t\t\n<style>\n#text-2885832536 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-2133770138\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2133770138 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-2426932969\" class=\"text\">\n\t\t\n<p>Once you have submitted your application, the bank or financial institution will send an appraiser to value your home. This is important to determine the total loan amount and the repayment term.<\/p>\n\t\t\n<style>\n#text-2426932969 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1656300105 > .col-inner {\n  padding: 0px 0px 0px 0px;\n  margin: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1656300105 > .col-inner {\n    padding: 0px 10% 0px 10%;\n  }\n}\n@media (min-width:850px) {\n  #col-1656300105 > .col-inner {\n    margin: -7vw 0px 60px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-719643483\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-50660842\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>03<\/p>\n\t\t\n<style>\n#text-50660842 {\n  font-size: 1.5rem;\n  color: rgb(200, 185, 151);\n}\n#text-50660842 > * {\n  color: rgb(200, 185, 151);\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1571581150\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1571581150 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-1122424444\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">Signing of the<br \/>\ncontract<\/p>\n\t\t\n<style>\n#text-1122424444 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1617731641\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1617731641 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-317263361\" class=\"text\">\n\t\t\n<p>If the assessment is positive and the bank or financial institution approves your application, you will sign a Developer Mortgage contract. This contract includes the loan amount, repayment term, interest rate and any additional protection clauses you negotiate.<\/p>\n\t\t\n<style>\n#text-317263361 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-719643483 > .col-inner {\n  padding: 0px 0px 0px 0px;\n  margin: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-719643483 > .col-inner {\n    padding: 0px 0px 0px 20%;\n  }\n}\n@media (min-width:850px) {\n  #col-719643483 > .col-inner {\n    padding: 60px 0px 60px 20%;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1471421090\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3265035834\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>04<\/p>\n\t\t\n<style>\n#text-3265035834 {\n  font-size: 1.5rem;\n  color: rgb(200, 185, 151);\n}\n#text-3265035834 > * {\n  color: rgb(200, 185, 151);\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1231667841\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1231667841 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-1640286036\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">Payment of<br \/>\n the mortgage<\/p>\n\t\t\n<style>\n#text-1640286036 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-2139747481\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2139747481 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-4160241481\" class=\"text\">\n\t\t\n<p>Once you have signed the contract, you will start paying the mortgage through monthly instalments. These instalments include the loan principal, interest and any other fees you have agreed upon.<\/p>\n\t\t\n<style>\n#text-4160241481 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1471421090 > .col-inner {\n  padding: 0px 0px 0px 0px;\n  margin: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1471421090 > .col-inner {\n    padding: 0px 20% 0px 0px;\n  }\n}\n@media (min-width:850px) {\n  #col-1471421090 > .col-inner {\n    margin: -22vw 0px 60px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1960692001\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2032351127\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>05<\/p>\n\t\t\n<style>\n#text-2032351127 {\n  font-size: 1.5rem;\n  color: rgb(200, 185, 151);\n}\n#text-2032351127 > * {\n  color: rgb(200, 185, 151);\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-543315020\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-543315020 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3916197376\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p data-animate=\"fadeIn\">Completion<br \/>\nof the mortgage<\/p>\n\t\t\n<style>\n#text-3916197376 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1127297490\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1127297490 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3468777329\" class=\"text\">\n\t\t\n<p>When you have paid all the mortgage instalments, the property is fully financed and is yours. From that moment on, you will only have to pay the maintenance costs and any other expenses related to the property.<\/p>\n\t\t\n<style>\n#text-3468777329 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1960692001 > .col-inner {\n  padding: 0px 0px 40px 0px;\n  margin: 0px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1960692001 > .col-inner {\n    padding: 0px 10% 60px 10%;\n  }\n}\n@media (min-width:850px) {\n  #col-1960692001 > .col-inner {\n    margin: -11vw 0px 60px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_580808534 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(66, 65, 62);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section\" id=\"section_763121239\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-collapse row-full-width\"  id=\"row-671318643\">\n\n\t<div id=\"col-1850688432\" class=\"col pad-left-col proyectos-destacados-title txt-m-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-4254363446\" class=\"text fw-300\">\n\t\t\n<p>ADVANTAGES OF THE HIPOTECA PROMOTOR<\/p>\n\t\t\n<style>\n#text-4254363446 {\n  font-size: 1.125rem;\n  color: rgb(159, 152, 144);\n}\n#text-4254363446 > * {\n  color: rgb(159, 152, 144);\n}\n@media (min-width:550px) {\n  #text-4254363446 {\n    font-size: 1.25rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1850688432 > .col-inner {\n  padding: 10px 0px 10px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_763121239 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(239, 237, 231);\n}\n<\/style>\n\t<\/section>\n\t\n\t<div id=\"gap-215351366\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-215351366 {\n  padding-top: 60px;\n}\n@media (min-width:550px) {\n  #gap-215351366 {\n    padding-top: 90px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\n\t<section class=\"section ventajas-section\" id=\"section_597792305\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2160\" height=\"1808\" src=\"https:\/\/kaleidoscope.es\/wp-content\/uploads\/2024\/06\/hipoteca-promotor-background.jpg\" class=\"bg attachment- size-\" alt=\"\" \/>\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-collapse align-equal\"  id=\"row-1275052571\">\n\n\t<div id=\"col-812837291\" class=\"col medium-6 small-12 large-4\"  data-animate=\"fadeInLeft\">\n\t\t\t\t<div class=\"col-inner\" style=\"background-color:rgb(239, 237, 231);\" >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3768178045\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>Lower interest<br \/>\nrates<\/p>\n\t\t\n<style>\n#text-3768178045 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-131546807\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-131546807 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3427347138\" class=\"text txt-m-0\">\n\t\t\n<p>In general, developer mortgages offer lower interest rates than other financing options. This is because the bank or lender is lending money for the purchase of a property that has not yet been built or completed, so the risk is higher. Therefore, in exchange for taking on that risk, the bank offers a lower interest rate to attract borrowers.<\/p>\n\t\t\n<style>\n#text-3427347138 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-812837291 > .col-inner {\n  padding: 40px 0px 30px 0px;\n}\n@media (min-width:550px) {\n  #col-812837291 > .col-inner {\n    padding: 40px 40px 30px 40px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1077845567\" class=\"col hide-for-small medium-6 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1077845567 > .col-inner {\n  padding: 40px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-1077845567 > .col-inner {\n    padding: 40px 40px 0px 40px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1569500616\" class=\"col medium-12 small-12 large-4\"  data-animate=\"fadeInRight\">\n\t\t\t\t<div class=\"col-inner\" style=\"background-color:rgb(239, 237, 231);\" >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3244963836\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>Longer payment<br \/>\n periods<\/p>\n\t\t\n<style>\n#text-3244963836 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-2002220198\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2002220198 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3830208772\" class=\"text txt-m-0\">\n\t\t\n<p>Some developer mortgages include the option to negotiate longer repayment terms than other mortgages or loans. This can be beneficial for those who need more time to repay their debt and can afford to pay lower repayments over a longer period of time.<\/p>\n\t\t\n<style>\n#text-3830208772 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1569500616 > .col-inner {\n  padding: 40px 0px 30px 0px;\n}\n@media (min-width:550px) {\n  #col-1569500616 > .col-inner {\n    padding: 40px 40px 30px 40px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-collapse\"  id=\"row-950141526\">\n\n\t<div id=\"col-1072466754\" class=\"col hide-for-small medium-6 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1072466754 > .col-inner {\n  padding: 40px 40px 0px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-53231574\" class=\"col medium-6 small-12 large-4\"  data-animate=\"fadeInUp\">\n\t\t\t\t<div class=\"col-inner\" style=\"background-color:rgb(239, 237, 231);\" >\n\t\t\t\n\t\t\t\n\t<div id=\"text-3622141264\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>Additional<br \/>\nprotection<\/p>\n\t\t\n<style>\n#text-3622141264 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-82425629\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-82425629 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3458890204\" class=\"text txt-m-0\">\n\t\t\n<p>Some developer mortgages include protection clauses, such as the possibility to repay the loan early without penalty or the option to change the interest rate to a fixed rate at any time during the term of the loan. These clauses can be very useful in case of unforeseen changes in the borrower&#8217;s financial conditions.<\/p>\n\t\t\n<style>\n#text-3458890204 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-53231574 > .col-inner {\n  padding: 40px 0px 30px 0px;\n}\n@media (min-width:550px) {\n  #col-53231574 > .col-inner {\n    padding: 40px 40px 30px 40px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-522522830\" class=\"col hide-for-small medium-12 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-522522830 > .col-inner {\n  padding: 40px 40px 0px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-collapse\"  id=\"row-75302761\">\n\n\t<div id=\"col-1756095024\" class=\"col no-line-top hide-for-small medium-12 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1756095024 > .col-inner {\n  padding: 40px 40px 0px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1999503311\" class=\"col hide-for-medium medium-6 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1999503311 > .col-inner {\n  padding: 40px 40px 0px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-157957568\" class=\"col medium-12 small-12 large-4\"  data-animate=\"fadeInRight\">\n\t\t\t\t<div class=\"col-inner\" style=\"background-color:rgb(239, 237, 231);\" >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2461810122\" class=\"text fw-600 txt-m-0\">\n\t\t\n<p>Accessibility<\/p>\n\t\t\n<style>\n#text-2461810122 {\n  font-size: 1.5rem;\n  line-height: 1.3;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1004194590\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1004194590 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-1284158843\" class=\"text txt-m-0\">\n\t\t\n<p>This mortgage may be more accessible for those who wish to buy and renovate but do not have the capital. However, it can carry risks. By financing both the purchase and the refurbishment, the borrower assumes the risk of increased costs (hence the importance of always working with fixed terms and budgets as we do at Kaleidoscope). If your objective is the Hipoteca Promotor to invest and do, for example, \u2018flipping house\u2019 (purchase, reform and quick sale) and the value does not increase, the borrower could have difficulties to sell or refinance.<\/p>\n\t\t\n<style>\n#text-1284158843 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-157957568 > .col-inner {\n  padding: 40px 0px 30px 0px;\n}\n@media (min-width:550px) {\n  #col-157957568 > .col-inner {\n    padding: 40px 40px 30px 40px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_597792305 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section\" id=\"section_1374349424\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\t<div id=\"gap-1089133167\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1089133167 {\n  padding-top: 80px;\n}\n@media (min-width:550px) {\n  #gap-1089133167 {\n    padding-top: 100px;\n  }\n}\n@media (min-width:850px) {\n  #gap-1089133167 {\n    padding-top: 140px;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\" style=\"max-width:700px\" id=\"row-336695068\">\n\n\t<div id=\"col-1511768428\" class=\"col icon-button arrow-right-button small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-2617502741\" class=\"text\">\n\t\t\n<p>More than an architectural firm in Valencia<\/p>\n\t\t\n<style>\n#text-2617502741 {\n  font-size: 0.875rem;\n  text-align: center;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1602875484\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1602875484 {\n  padding-top: 15px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3521306928\" class=\"text fw-600\">\n\t\t\n<h2 data-animate=\"fadeIn\">The Kaleidoscope method elevates the concept of comprehensive renovations<\/h2>\n\t\t\n<style>\n#text-3521306928 {\n  font-size: 1.6rem;\n  line-height: 1.4;\n  text-align: center;\n}\n@media (min-width:550px) {\n  #text-3521306928 {\n    font-size: 2.125rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-2768076655\" class=\"text\">\n\t\t\n<p>Personalised budgets and deadlines, the guarantee and professional support, and the fact that you can monitor the project with digital tools are some of the advantages of working with the Kaleidoscope method.<\/p>\n\t\t\n<style>\n#text-2768076655 {\n  font-size: 0.875rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-827554545\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-827554545 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<a href=\"\/metodologia-sara\/\" class=\"button primary is-outline icon-right-button arrow-up-button\" style=\"padding:5px 20px 5px 20px;\">\n\t\t<span>Discover our methodology<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-1621299254\" class=\"gap-element clearfix hide-for-small\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1621299254 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1374349424 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n}\n<\/style>\n\t<\/section>\n\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5119","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Promoter mortgage - Kaleidoscope<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kaleidoscope.es\/en\/hipoteca-promotor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Promoter mortgage - Kaleidoscope\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kaleidoscope.es\/hipoteca-promotor\/\" \/>\n<meta property=\"og:site_name\" content=\"Kaleidoscope\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kaleidoscopevlc\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-03T17:13:35+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kaleidoscope.es\\\/en\\\/promoter-mortgage\\\/\",\"url\":\"https:\\\/\\\/kaleidoscope.es\\\/hipoteca-promotor\\\/\",\"name\":\"Promoter mortgage - Kaleidoscope\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kaleidoscope.es\\\/en\\\/#website\"},\"datePublished\":\"2024-06-15T13:30:36+00:00\",\"dateModified\":\"2026-02-03T17:13:35+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kaleidoscope.es\\\/hipoteca-promotor\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kaleidoscope.es\\\/hipoteca-promotor\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kaleidoscope.es\\\/hipoteca-promotor\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/kaleidoscope.es\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Promoter mortgage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/kaleidoscope.es\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/kaleidoscope.es\\\/en\\\/\",\"name\":\"Kaleidoscope\",\"description\":\"\u2705 Empresa de Reformas en Valencia especialista en reformas integrales de pisos, chalets, casas y viviendas. 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