Accessing a property in property remains one of the great challenges for young people (and not so young) Spanish. Price escalation, banks and job instability demands increasingly delay the time to sign a mortgage. However, there is an age strip that experts consider the most appropriate to take this step: between 30 and 40 years, as explained by economist Leticia Poole in ‘Informative Telecinco’.
Leticia Poole points out that several key factors converge in that stage of life. On the one hand, most people have already reached some job stability and have savings capacity; On the other, they still have a broad horizon to amortize the mortgage loan before retirement.
You may be interested
The price of light today Friday, September 5, 2025: the cheapest hours and faces within the PVPC
The price of diesel falls back to 1,406 euros at this start of September
The 30 and 40 are the best age to ask for a mortgage, according to Leticia Poole: “greater job security is combined with sufficient deadlines”
Age, in any case, is not everything. As Poole, analysts insist that the personal financial situation weighs as much or more than the date in the ID. Employment stability, income level and the possibility of creating a savings mattress are decisive to access better mortgage conditions.
Or what is the same; The mortgage market has evolved towards formulas that seek to adapt to the different professional profiles. For a fixed contract worker, the most recommended option is usually a fixed or mixed mortgage, since “its income stability allows you to face regular fees without great shocks,” says Poole, professor of economy and business at the European University of Valencia.
Meanwhile, self -employed workers, who usually have months with variations in their billing, tend to benefit from products such as flexible mortgages. “These offer a margin to better organize payments in periods of lower economic activity, allowing you to choose both the monthly fee and the return period.”
The importance of good financial stability and savings capacity
The economist remembers, however, that age is just one more element within the equation. The really decisive thing is the personal financial situation: the type of employment contract, the level of income and the ability to generate a savings mattress to have the entrance of a house. “Being 30 does not guarantee to be able to assume a mortgage, but it does increase the chances of doing it in better conditions than if expected,” he says.
In fact, banks value the solvency and stability of the client more than their concrete age. It is of little use for 35 years of age if regular income is lacking, while a buyer of 42 with a healthy economy can obtain a mortgage in favorable terms.
For its part, the mortgage market in Spain is going through a difficult time. In July 2025, the average amount of housing loans reached a historical record, with an average of 158,153 euros, according to INE data. However, the good news is that interest rates have fallen almost halfway in the last year, standing around 2.9%, the lowest level of the last five years.
This drop of types is promoting the concession of mortgages and opening a window of opportunity for those who are in that strip of 30 to 40 years. “It is not about launching without thinking, but the current context makes it easier for many buyers to access loans in better conditions than for two years ago,” says Poole.