Mortgage appraisal
official and approved

The mortgage appraisal is a technical report prepared by a professional appraiser that determines the value of a home or other type of property. This report is necessary in mortgage application processes, as it serves as collateral for the mortgage loan and establishes the value that the bank will lend for the mortgage.

Get a mortgage appraisal of your home or property quickly and securely in our online shop and obtain a report approved by the Bank of Spain, valid for any bank.

Why choose Gesvalt for your mortgage appraisal?

We are a leading company in carrying out mortgage appraisals of homes and other properties, approved by the Bank of Spain. We have been producing official mortgage appraisal reports for more than 30 years, valid for any bank.

30% from
discount on your
official valuation

Independent appraiser approved by the Bank of Spain.

More than 30 years of experience.

Reports valid for any banking institution.

A team of more than 250 experts and 800 field technicians.

National and international coverage.

What do you need to know for a mortgage appraisal?

To apply for a mortgage loan it is necessary to present an official appraisal to your bank.
The report is issued by a valuation company approved by the Bank of Spain, such as Gesvalt.
The appraisal can be contracted directly with the appraiser without the need for an intermediary.
In order to request your quote, it is necessary to provide some personal details such as the following: name and surname, full address of the property, type, surface area and purpose.
It is also necessary to present documentation related to the property such as: the nota simple, cadastral documentation or the lease contract and last receipt in the case of rented properties.
Furthermore, the new Order ECM/599/2025 contemplates the obligation to include the energy efficiency certificate (EEC) among the documentation to be submitted for most properties for mortgage appraisals.
If you decide to apply with an appraisal company such as Gesvalt, once you have received the mortgage appraisal report, you can submit it to your financial institution.
In addition to mortgage appraisals, real estate appraisals can be carried out for other purposes such as: distribution of inheritances, separation of assets in divorces, calculation of taxes or to know the market value for sale and purchase processes.

Get your valuation online in 4 steps

Send us your details to make the budget

After contracting we visit your property

We carry out the appraisal

Receive your official valuation report

What are the purposes of real estate valuation?

Real estate appraisals can be carried out for different purposes, the most common being:

Mortgage collateral

Essential for obtaining a mortgage loan, as it allows the financial institution to know the value of the property that will serve as collateral for the loan.

Inheritances:

Necessary to determine the value of real estate in an inheritance, which facilitates the equitable distribution among the heirs and the calculation of taxes such as inheritance and gift tax.

Separation or divorce

Used to value the common assets in the process of liquidation of the community property, allowing a fair distribution between the parties involved.

Buying and selling

It serves as a reference for establishing the selling price of a property, providing both buyer and seller with an objective estimate of the market value.

What kind of goods do we value?

At Gesvalt, we carry out official valuation reports for any type of property:

Offices

Company valuation

Jewellery

Works of art

Pharmacies

Hotels

Industrial building and machinery

Garage and storage room

Buildings

Finca Rústica

Premises

Housing

Customer reviews

"Over 75,000 valuations a year – an organisation accredited by the Bank of Spain".

    
 
 
      Published on Google  
   
   Alexander Martinez 
 16 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Necesitábamos una tasación homologada con carácter de urgencia para una operación financiera. El equipo de Gesvalt gestionó la visita técnica y la emisión del informe en tiempo récord sin perder un ápice de calidad.
  
 
     Published on Google  
   
   diego ulises oliva lopéz 
 16 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Su equipo de consultoría estratégica nos ayudó a estructurar la revalorización de nuestro patrimonio de manera muy clara. Un trato profesional, transparente y con una visión de mercado muy afinada.
  
 
     Published on Google  
   
   Naydeline Sereno Martínez 
 15 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Contratamos a Gesvalt para la valoración de varios inmuebles comerciales y la experiencia fue impecable. El informe final fue sumamente detallado, preciso y entregado dentro del plazo acordado.
  
 
     Published on Google  
   
   Angela Hernandez 
 11 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Me explicaron cada paso del trámite con mucha claridad. Da gusto ser atendido así 🤗
  
 
     Published on Google  
   
   Alba M. Serrano. 
 11 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Muy eficientes con sus trámites en línea. Proceso claro, rápido y muy bien estructurado
  
 
     Published on Google  
   
   Daniela Alonzo 
 11 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Totalmente recomendados. La plataforma online facilita mucho todo el proceso sin complicaciones
  
 
     Published on Google  
   
   Carlos Alfonso Morales Gil 
 11 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excelente servicio. La tramitación online fue rápido y todo el proceso resultó súper cómodo
  
 
     Published on Google  
   
   Maria Angelica Aguilar 
 11 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Muy satisfecha con la gestión. Realicé mi trámite por la web y la atención fue ágil y fluida.
  
 
     Published on Google  
   
   Reina Quintero 
 10 Octubre 2026
 
 
 Trustindex verifies that the original source of the review is Google. La verdad es que no tenía mucha experiencia en este tipo de gestiones y estaba un poco perdido, pero el equipo técnico me explicó todo al detalle desde el minuto uno. Dá gusto dar con profesionales tan empáticos e implicados. 10/10.😊
  
 
     Published on Google  
   
   Zoe Paniagua Vivas 
 25 Septiembre 2026
 
 
 Trustindex verifies that the original source of the review is Google. Muy contenta con el trato y la rapidez de la tasación, 100% recomendables.

Frequently asked questions on valuation and advice on the purchase and sale of property

What is a mortgage appraisal and why is it mandatory?

A appraisal for mortgage collateral purposes is a report that determines the value of the property to be used as collateral for a loan. It is mandatory for the bank to assess whether the property covers the value of the loan requested.

Who can do a valid mortgage appraisal?

Only a valuation company approved by the Bank of Spain, such as Gesvalt, can issue a valid valuation for mortgages and other purposes.

What types of property can be appraised for a mortgage?

Different types of property can be appraised, such as homes, commercial premises, rural properties or industrial warehouses, provided they are suitable to serve as collateral for the loan.

How long does the appraisal take?

The valuation process usually takes between 5 and 7 working days, depending on the complexity of the property.

What happens if the value is lower than the purchase price?

If the appraisal is lower than the purchase price, the bank may offer you a lower loan than requested, or even refuse the application if the value of the property does not cover the risk of the loan.

Can an online appraisal be used to apply for a mortgage?

Yes, a valid online valuation carried out by a valuation company approved by the Bank of Spain is accepted by banks to grant a mortgage.

When does a mortgage appraisal expire?

The mortgage appraisal is valid for 6 months. After this period, a new appraisal will be necessary if the mortgage has not yet been formalised.

What documentation do I need for a valuation?

The most frequent documentation required for the valuation of a property would be an updated Nota simple and cadastral documentation, and personal details of the applicant.

Other services

Do you need an official valuation for a mortgage guarantee, for a distribution of assets or simply to know the value of your property?

Select the type of property and obtain in a few steps your official report valid for any purpose and bank.

Mortgage appraisal
official and approved

Why choose Gesvalt for your mortgage appraisal?

30% from
discount on your
official valuation

What do you need to know for a mortgage appraisal?

Get your valuation online in 4 steps