{"id":3937,"date":"2025-10-29T17:52:59","date_gmt":"2025-10-29T16:52:59","guid":{"rendered":"https:\/\/www.vivafinance.es\/?page_id=3937"},"modified":"2026-05-08T16:15:19","modified_gmt":"2026-05-08T14:15:19","slug":"spanish-mortgages","status":"publish","type":"page","link":"https:\/\/www.vivafinance.es\/pl\/spanish-mortgages\/","title":{"rendered":"Landing Page"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3937\" class=\"elementor elementor-3937\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb183a9 e-flex e-con-boxed e-con e-parent\" data-id=\"fb183a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-138ee81 elementor-widget elementor-widget-html\" data-id=\"138ee81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- VIVA FINANCE PREMIUM MOBILE-FIRST LANDING \u2014 WITH MINI MORTGAGE TOOL AFTER HERO -->\r\n<div class=\"vfx-wrap\" id=\"vfx-top\">\r\n\r\n  <style>\r\n    @import url(\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800;900&family=Playfair+Display:wght@600;700;800&display=swap\");\r\n\r\n    .vfx-wrap {\r\n      --vfx-ink:#102033;\r\n      --vfx-muted:#66758a;\r\n      --vfx-blue:#123f70;\r\n      --vfx-blue-dark:#082846;\r\n      --vfx-blue-soft:#edf4fb;\r\n      --vfx-gold:#b9975b;\r\n      --vfx-cream:#f8f3ea;\r\n      --vfx-paper:#ffffff;\r\n      --vfx-soft:#f6f8fb;\r\n      --vfx-border:rgba(18,63,112,.14);\r\n      --vfx-shadow:0 24px 70px rgba(16,32,51,.14);\r\n      --vfx-shadow-soft:0 14px 38px rgba(16,32,51,.09);\r\n      --vfx-font-body:\"Montserrat\",system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\r\n      --vfx-font-heading:\"Playfair Display\",Georgia,\"Times New Roman\",serif;\r\n\r\n      font-family:var(--vfx-font-body)!important;\r\n      color:var(--vfx-ink);\r\n      background:#fff;\r\n      overflow:hidden;\r\n      -webkit-font-smoothing:antialiased;\r\n      -moz-osx-font-smoothing:grayscale;\r\n      text-rendering:optimizeLegibility;\r\n    }\r\n\r\n    .vfx-wrap * {\r\n      box-sizing:border-box;\r\n    }\r\n\r\n    .vfx-wrap,\r\n    .vfx-wrap p,\r\n    .vfx-wrap a,\r\n    .vfx-wrap span,\r\n    .vfx-wrap strong,\r\n    .vfx-wrap small,\r\n    .vfx-wrap div,\r\n    .vfx-wrap button,\r\n    .vfx-wrap input,\r\n    .vfx-wrap select,\r\n    .vfx-wrap label {\r\n      font-family:var(--vfx-font-body)!important;\r\n    }\r\n\r\n    .vfx-wrap img,\r\n    .vfx-wrap video {\r\n      max-width:100%;\r\n    }\r\n\r\n    .vfx-container {\r\n      width:min(1160px,calc(100% - 36px));\r\n      margin:0 auto;\r\n    }\r\n\r\n    .vfx-section {\r\n      padding:58px 0;\r\n    }\r\n\r\n    .vfx-soft-section {\r\n      background:var(--vfx-soft);\r\n    }\r\n\r\n    .vfx-topbar {\r\n      background:var(--vfx-cream);\r\n      padding:18px 0 10px;\r\n    }\r\n\r\n    .vfx-topbar-inner {\r\n      display:flex;\r\n      align-items:center;\r\n      justify-content:space-between;\r\n      gap:22px;\r\n    }\r\n\r\n    .vfx-logo-shell {\r\n      display:inline-flex;\r\n      align-items:center;\r\n      justify-content:center;\r\n      padding:10px 16px;\r\n      border-radius:24px;\r\n      background:rgba(255,255,255,.96);\r\n      border:1px solid rgba(18,63,112,.10);\r\n      box-shadow:0 12px 32px rgba(16,32,51,.08);\r\n      overflow:hidden;\r\n    }\r\n\r\n    .vfx-logo {\r\n      display:block;\r\n      width:300px;\r\n      max-width:100%;\r\n      height:auto;\r\n      border-radius:16px!important;\r\n    }\r\n\r\n    .vfx-top-note {\r\n      color:var(--vfx-blue-dark);\r\n      font-size:14px;\r\n      font-weight:750;\r\n      text-align:right;\r\n      line-height:1.35;\r\n      letter-spacing:-.1px;\r\n    }\r\n\r\n    .vfx-top-note span {\r\n      display:block;\r\n      color:var(--vfx-muted);\r\n      font-weight:650;\r\n      font-size:13px;\r\n      margin-top:2px;\r\n    }\r\n\r\n    .vfx-btn {\r\n      display:inline-flex;\r\n      align-items:center;\r\n      justify-content:center;\r\n      min-height:54px;\r\n      padding:15px 24px;\r\n      border-radius:999px;\r\n      border:1px solid transparent;\r\n      text-decoration:none!important;\r\n      font-weight:800;\r\n      font-size:15px;\r\n      line-height:1;\r\n      cursor:pointer;\r\n      text-align:center;\r\n      letter-spacing:-.1px;\r\n      transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease,border-color .18s ease;\r\n    }\r\n\r\n    .vfx-btn-primary {\r\n      background:var(--vfx-blue-dark);\r\n      color:#fff!important;\r\n      box-shadow:0 16px 30px rgba(8,40,70,.22);\r\n    }\r\n\r\n    .vfx-btn-primary:hover {\r\n      background:var(--vfx-blue);\r\n      transform:translateY(-2px);\r\n      box-shadow:0 20px 42px rgba(8,40,70,.28);\r\n    }\r\n\r\n    .vfx-btn-secondary {\r\n      background:#fff;\r\n      color:var(--vfx-blue-dark)!important;\r\n      border-color:rgba(18,63,112,.18);\r\n      box-shadow:0 10px 26px rgba(16,32,51,.07);\r\n    }\r\n\r\n    .vfx-btn-secondary:hover {\r\n      background:#f9fbfd;\r\n      transform:translateY(-2px);\r\n    }\r\n\r\n    .vfx-hero {\r\n      position:relative;\r\n      padding:38px 0 48px;\r\n      background:\r\n        radial-gradient(circle at 12% 12%,rgba(185,151,91,.18),transparent 30%),\r\n        radial-gradient(circle at 88% 8%,rgba(18,63,112,.08),transparent 28%),\r\n        linear-gradient(180deg,var(--vfx-cream) 0%,#fff 100%);\r\n    }\r\n\r\n    .vfx-hero-grid {\r\n      display:grid;\r\n      grid-template-columns:1.02fr .98fr;\r\n      gap:48px;\r\n      align-items:center;\r\n    }\r\n\r\n    .vfx-eyebrow {\r\n      display:inline-flex;\r\n      align-items:center;\r\n      gap:10px;\r\n      margin-bottom:17px;\r\n      color:var(--vfx-blue);\r\n      font-size:12.5px;\r\n      font-weight:800;\r\n      letter-spacing:.9px;\r\n      text-transform:uppercase;\r\n    }\r\n\r\n    .vfx-eyebrow:before {\r\n      content:\"\";\r\n      width:34px;\r\n      height:1px;\r\n      background:var(--vfx-gold);\r\n    }\r\n\r\n    .vfx-h1 {\r\n      margin:0 0 18px;\r\n      max-width:690px;\r\n      color:var(--vfx-ink);\r\n      font-family:var(--vfx-font-heading)!important;\r\n      font-size:clamp(44px,5.5vw,74px);\r\n      line-height:.98;\r\n      letter-spacing:-2.2px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-h1 span {\r\n      color:var(--vfx-blue);\r\n      font-family:var(--vfx-font-heading)!important;\r\n    }\r\n\r\n    .vfx-hero-sub {\r\n      max-width:620px;\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:18px;\r\n      line-height:1.66;\r\n      font-weight:500;\r\n      letter-spacing:-.15px;\r\n    }\r\n\r\n    .vfx-hero-sub strong {\r\n      color:var(--vfx-ink);\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-actions {\r\n      display:flex;\r\n      flex-wrap:wrap;\r\n      gap:12px;\r\n      margin-top:28px;\r\n    }\r\n\r\n    .vfx-micro {\r\n      margin-top:13px;\r\n      color:rgba(16,32,51,.62);\r\n      font-size:13px;\r\n      line-height:1.5;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-proof-row {\r\n      display:grid;\r\n      grid-template-columns:repeat(3,1fr);\r\n      gap:11px;\r\n      margin-top:30px;\r\n      max-width:650px;\r\n    }\r\n\r\n    .vfx-proof {\r\n      padding:15px 16px;\r\n      border-radius:18px;\r\n      background:rgba(255,255,255,.82);\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:0 10px 26px rgba(16,32,51,.06);\r\n    }\r\n\r\n    .vfx-proof strong {\r\n      display:block;\r\n      color:var(--vfx-blue-dark);\r\n      font-size:15px;\r\n      line-height:1.25;\r\n      margin-bottom:4px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-proof span {\r\n      display:block;\r\n      color:var(--vfx-muted);\r\n      font-size:13px;\r\n      line-height:1.35;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-portrait-card {\r\n      position:relative;\r\n      padding:16px;\r\n      border-radius:34px;\r\n      background:rgba(255,255,255,.82);\r\n      border:1px solid rgba(18,63,112,.12);\r\n      box-shadow:var(--vfx-shadow);\r\n    }\r\n\r\n    .vfx-portrait-card:before {\r\n      content:\"\";\r\n      position:absolute;\r\n      inset:28px -14px -16px 32px;\r\n      z-index:-1;\r\n      border-radius:34px;\r\n      background:rgba(185,151,91,.16);\r\n    }\r\n\r\n    .vfx-portrait-main {\r\n      overflow:hidden;\r\n      border-radius:26px;\r\n      background:#e8edf3;\r\n    }\r\n\r\n    .vfx-portrait-main img {\r\n      width:100%;\r\n      height:500px;\r\n      object-fit:cover;\r\n      object-position:center top;\r\n      display:block;\r\n      border-radius:26px!important;\r\n    }\r\n\r\n    .vfx-portrait-caption {\r\n      padding:20px 8px 4px;\r\n      text-align:center;\r\n    }\r\n\r\n    .vfx-portrait-caption h2 {\r\n      margin:0 0 6px;\r\n      color:var(--vfx-ink);\r\n      font-family:var(--vfx-font-heading)!important;\r\n      font-size:29px;\r\n      line-height:1.12;\r\n      letter-spacing:-.7px;\r\n      font-weight:700;\r\n    }\r\n\r\n    .vfx-portrait-caption p {\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:15px;\r\n      line-height:1.5;\r\n      font-weight:650;\r\n    }\r\n\r\n    .vfx-reg-strip,\r\n    .vfx-authority-card {\r\n      margin-top:15px;\r\n      padding:15px 18px;\r\n      border-radius:22px;\r\n      background:#fff;\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:var(--vfx-shadow-soft);\r\n      text-align:center;\r\n    }\r\n\r\n    .vfx-reg-strip strong {\r\n      display:block;\r\n      color:var(--vfx-blue-dark);\r\n      font-size:14px;\r\n      line-height:1.35;\r\n      margin-bottom:3px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-reg-strip span {\r\n      display:block;\r\n      color:var(--vfx-muted);\r\n      font-size:13px;\r\n      line-height:1.35;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-authority-title {\r\n      margin:0 0 12px;\r\n      color:var(--vfx-blue-dark);\r\n      font-size:12.5px;\r\n      font-weight:800;\r\n      letter-spacing:.7px;\r\n      text-transform:uppercase;\r\n      text-align:center;\r\n    }\r\n\r\n    .vfx-authority-logos {\r\n      display:flex;\r\n      align-items:center;\r\n      justify-content:center;\r\n      gap:18px;\r\n      flex-wrap:wrap;\r\n    }\r\n\r\n    .vfx-authority-logos img {\r\n      display:block;\r\n      width:auto;\r\n      height:62px;\r\n      object-fit:contain;\r\n      border-radius:0!important;\r\n      box-shadow:none!important;\r\n    }\r\n\r\n    .vfx-authority-logos img.vfx-ministry-logo {\r\n      height:68px;\r\n    }\r\n\r\n    .vfx-form-section {\r\n      padding:42px 0 58px;\r\n      background:\r\n        radial-gradient(circle at 10% 5%,rgba(185,151,91,.11),transparent 26%),\r\n        #fff;\r\n    }\r\n\r\n    .vfx-form-anchor {\r\n      scroll-margin-top:18px;\r\n    }\r\n\r\n    .vfx-form-grid {\r\n      display:grid;\r\n      grid-template-columns:.78fr 1.22fr;\r\n      gap:28px;\r\n      align-items:start;\r\n    }\r\n\r\n    .vfx-form-side {\r\n      padding:30px;\r\n      border-radius:30px;\r\n      background:\r\n        radial-gradient(circle at 100% 0%,rgba(185,151,91,.18),transparent 32%),\r\n        linear-gradient(180deg,#fff 0%,#f8fbff 100%);\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:var(--vfx-shadow-soft);\r\n    }\r\n\r\n    .vfx-form-side h2,\r\n    .vfx-form-title-mobile h2,\r\n    .vfx-video-copy h2,\r\n    .vfx-h2,\r\n    .vfx-final h2,\r\n    .vfx-benefit h3,\r\n    .vfx-step h3 {\r\n      font-family:var(--vfx-font-heading)!important;\r\n    }\r\n\r\n    .vfx-form-side h2 {\r\n      margin:0 0 13px;\r\n      color:var(--vfx-ink);\r\n      font-size:clamp(34px,4vw,50px);\r\n      line-height:1.04;\r\n      letter-spacing:-1.1px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-form-side p {\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:16.5px;\r\n      line-height:1.64;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-form-points {\r\n      display:grid;\r\n      gap:12px;\r\n      margin-top:22px;\r\n    }\r\n\r\n    .vfx-form-points div,\r\n    .vfx-video-list div {\r\n      display:flex;\r\n      gap:10px;\r\n      align-items:flex-start;\r\n      color:var(--vfx-ink);\r\n      font-size:14.5px;\r\n      line-height:1.45;\r\n      font-weight:650;\r\n    }\r\n\r\n    .vfx-dot {\r\n      width:8px;\r\n      height:8px;\r\n      flex:0 0 8px;\r\n      margin-top:8px;\r\n      border-radius:999px;\r\n      background:var(--vfx-gold);\r\n    }\r\n\r\n    .vfx-form-card {\r\n      padding:28px;\r\n      border-radius:30px;\r\n      background:#fff;\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:var(--vfx-shadow);\r\n    }\r\n\r\n    .vfx-form-title-mobile {\r\n      display:none;\r\n      text-align:center;\r\n      margin-bottom:18px;\r\n    }\r\n\r\n    .vfx-form-title-mobile h2 {\r\n      margin:0 0 8px;\r\n      color:var(--vfx-ink);\r\n      font-size:33px;\r\n      line-height:1.05;\r\n      letter-spacing:-.8px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-form-title-mobile p {\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:15.5px;\r\n      line-height:1.55;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-pre-form-list {\r\n      display:flex;\r\n      flex-wrap:wrap;\r\n      gap:9px;\r\n      margin:0 0 22px;\r\n      justify-content:center;\r\n    }\r\n\r\n    .vfx-chip {\r\n      display:inline-flex;\r\n      align-items:center;\r\n      padding:8px 12px;\r\n      border-radius:999px;\r\n      background:#f7f9fc;\r\n      color:var(--vfx-blue-dark);\r\n      border:1px solid var(--vfx-border);\r\n      font-size:12.5px;\r\n      font-weight:750;\r\n    }\r\n\r\n    .vfx-form-note {\r\n      display:flex;\r\n      justify-content:center;\r\n      gap:8px;\r\n      margin-top:14px;\r\n      color:var(--vfx-muted);\r\n      font-size:13px;\r\n      line-height:1.45;\r\n      text-align:center;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-wrap .hs-form-frame {\r\n      width:100%;\r\n    }\r\n\r\n    .vfx-video-grid {\r\n      display:grid;\r\n      grid-template-columns:.82fr 1.18fr;\r\n      gap:40px;\r\n      align-items:center;\r\n    }\r\n\r\n    .vfx-video-copy h2,\r\n    .vfx-h2 {\r\n      margin:0 0 14px;\r\n      color:var(--vfx-ink);\r\n      font-size:clamp(34px,4vw,52px);\r\n      line-height:1.04;\r\n      letter-spacing:-1.1px;\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-video-copy p,\r\n    .vfx-lead {\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:17px;\r\n      line-height:1.66;\r\n      font-weight:500;\r\n      letter-spacing:-.15px;\r\n    }\r\n\r\n    .vfx-video-list {\r\n      display:grid;\r\n      gap:12px;\r\n      margin-top:22px;\r\n    }\r\n\r\n    .vfx-video-card {\r\n      padding:12px;\r\n      border-radius:30px;\r\n      background:linear-gradient(135deg,rgba(18,63,112,.11),rgba(185,151,91,.17)),#fff;\r\n      box-shadow:var(--vfx-shadow);\r\n      border:1px solid rgba(18,63,112,.12);\r\n    }\r\n\r\n    .vfx-video-frame {\r\n      position:relative;\r\n      overflow:hidden;\r\n      border-radius:22px;\r\n      background:#071929;\r\n      aspect-ratio:16\/9;\r\n    }\r\n\r\n    .vfx-video-frame video {\r\n      width:100%;\r\n      height:100%;\r\n      display:block;\r\n      object-fit:cover;\r\n      background:#071929;\r\n    }\r\n\r\n    .vfx-play-button {\r\n      position:absolute;\r\n      z-index:5;\r\n      top:50%;\r\n      left:50%;\r\n      width:82px;\r\n      height:82px;\r\n      transform:translate(-50%,-50%);\r\n      border:2px solid rgba(185,151,91,.95);\r\n      border-radius:999px;\r\n      background:linear-gradient(135deg,var(--vfx-blue-dark),var(--vfx-blue));\r\n      cursor:pointer;\r\n      display:flex;\r\n      align-items:center;\r\n      justify-content:center;\r\n      box-shadow:0 22px 50px rgba(0,0,0,.38),0 0 0 8px rgba(255,255,255,.16),inset 0 0 0 1px rgba(255,255,255,.12);\r\n      transition:transform .22s ease,opacity .22s ease,box-shadow .22s ease;\r\n    }\r\n\r\n    .vfx-play-button:hover {\r\n      transform:translate(-50%,-50%) scale(1.07);\r\n    }\r\n\r\n    .vfx-play-button span {\r\n      width:0;\r\n      height:0;\r\n      margin-left:7px;\r\n      border-top:16px solid transparent;\r\n      border-bottom:16px solid transparent;\r\n      border-left:25px solid #fff;\r\n      filter:drop-shadow(0 2px 3px rgba(0,0,0,.24));\r\n    }\r\n\r\n    .vfx-video-card.is-playing .vfx-play-button {\r\n      opacity:0;\r\n      pointer-events:none;\r\n    }\r\n\r\n    .vfx-video-note {\r\n      margin-top:15px;\r\n      padding:15px 18px;\r\n      border-radius:18px;\r\n      background:#fff;\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:var(--vfx-shadow-soft);\r\n      color:var(--vfx-muted);\r\n      font-size:13.5px;\r\n      line-height:1.5;\r\n      text-align:center;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-video-note strong {\r\n      color:var(--vfx-blue-dark);\r\n      font-weight:800;\r\n    }\r\n\r\n    .vfx-center-head {\r\n      max-width:790px;\r\n      margin:0 auto 34px;\r\n      text-align:center;\r\n    }\r\n\r\n    .vfx-center-head .vfx-eyebrow {\r\n      justify-content:center;\r\n    }\r\n\r\n    .vfx-center-head .vfx-eyebrow:after {\r\n      content:\"\";\r\n      width:34px;\r\n      height:1px;\r\n      background:var(--vfx-gold);\r\n    }\r\n\r\n    .vfx-benefits-grid {\r\n      display:grid;\r\n      grid-template-columns:repeat(3,1fr);\r\n      gap:18px;\r\n    }\r\n\r\n    .vfx-benefit,\r\n    .vfx-step,\r\n    .vfx-lenders-card {\r\n      padding:28px;\r\n      border-radius:28px;\r\n      background:#fff;\r\n      border:1px solid var(--vfx-border);\r\n      box-shadow:var(--vfx-shadow-soft);\r\n    }\r\n\r\n    .vfx-benefit small,\r\n    .vfx-step-num {\r\n      display:block;\r\n      margin-bottom:12px;\r\n      color:var(--vfx-gold);\r\n      font-size:12.5px;\r\n      font-weight:850;\r\n      letter-spacing:.8px;\r\n      text-transform:uppercase;\r\n    }\r\n\r\n    .vfx-benefit h3,\r\n    .vfx-step h3 {\r\n      margin:0 0 11px;\r\n      color:var(--vfx-ink);\r\n      font-size:26px;\r\n      line-height:1.12;\r\n      letter-spacing:-.6px;\r\n      font-weight:700;\r\n    }\r\n\r\n    .vfx-benefit p,\r\n    .vfx-step p {\r\n      margin:0;\r\n      color:var(--vfx-muted);\r\n      font-size:15px;\r\n      line-height:1.64;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-process-grid {\r\n      display:grid;\r\n      grid-template-columns:repeat(4,1fr);\r\n      gap:16px;\r\n    }\r\n\r\n    .vfx-step {\r\n      padding:25px;\r\n      border-radius:26px;\r\n    }\r\n\r\n    .vfx-step h3 {\r\n      font-size:24px;\r\n    }\r\n\r\n    .vfx-step p {\r\n      font-size:14.5px;\r\n      line-height:1.6;\r\n    }\r\n\r\n    .vfx-marquee {\r\n      position:relative;\r\n      overflow:hidden;\r\n      margin-top:22px;\r\n      border-radius:20px;\r\n      border:1px solid var(--vfx-border);\r\n      background:linear-gradient(180deg,#fff 0%,#f8fbff 100%);\r\n    }\r\n\r\n    .vfx-track {\r\n      display:flex;\r\n      align-items:center;\r\n      gap:34px;\r\n      width:max-content;\r\n      padding:20px 24px;\r\n      animation:vfx-scroll 26s linear infinite;\r\n    }\r\n\r\n    .vfx-logo-bank {\r\n      height:38px!important;\r\n      width:auto!important;\r\n      object-fit:contain!important;\r\n      display:block!important;\r\n      opacity:.94;\r\n      border-radius:0!important;\r\n      box-shadow:none!important;\r\n    }\r\n\r\n    @keyframes vfx-scroll {\r\n      0%{transform:translateX(0);}\r\n      100%{transform:translateX(-50%);}\r\n    }\r\n\r\n    .vfx-final {\r\n      padding:48px 30px;\r\n      border-radius:34px;\r\n      overflow:hidden;\r\n      background:\r\n        radial-gradient(circle at 12% 8%,rgba(255,255,255,.15),transparent 26%),\r\n        radial-gradient(circle at 90% 18%,rgba(185,151,91,.24),transparent 28%),\r\n        linear-gradient(135deg,var(--vfx-blue-dark),var(--vfx-blue));\r\n      box-shadow:var(--vfx-shadow);\r\n      text-align:center;\r\n      color:#fff;\r\n    }\r\n\r\n    .vfx-final h2 {\r\n      max-width:760px;\r\n      margin:0 auto 14px;\r\n      color:#fff;\r\n      font-size:clamp(36px,4vw,56px);\r\n      line-height:1.02;\r\n      font-weight:800;\r\n      letter-spacing:-1.1px;\r\n    }\r\n\r\n    .vfx-final p {\r\n      max-width:660px;\r\n      margin:0 auto 23px;\r\n      color:rgba(255,255,255,.88);\r\n      font-size:16.5px;\r\n      line-height:1.62;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-final .vfx-btn-primary {\r\n      background:#fff;\r\n      color:var(--vfx-blue-dark)!important;\r\n    }\r\n\r\n    .vfx-sticky {\r\n      position:fixed;\r\n      left:50%;\r\n      bottom:14px;\r\n      z-index:999999;\r\n      transform:translateX(-50%);\r\n      width:min(920px,calc(100% - 24px));\r\n      display:flex;\r\n      align-items:center;\r\n      justify-content:space-between;\r\n      gap:12px;\r\n      padding:10px 12px;\r\n      border-radius:20px;\r\n      background:rgba(255,255,255,.94);\r\n      border:1px solid rgba(18,63,112,.14);\r\n      box-shadow:0 16px 42px rgba(16,32,51,.18);\r\n      backdrop-filter:blur(12px);\r\n      transition:opacity .2s ease,transform .2s ease;\r\n    }\r\n\r\n    .vfx-sticky.is-hidden {\r\n      opacity:0;\r\n      pointer-events:none;\r\n      transform:translateX(-50%) translateY(14px);\r\n    }\r\n\r\n    .vfx-sticky-text {\r\n      color:var(--vfx-ink);\r\n      font-size:13px;\r\n      line-height:1.25;\r\n      font-weight:500;\r\n    }\r\n\r\n    .vfx-sticky-text strong {\r\n      display:block;\r\n      color:var(--vfx-blue-dark);\r\n      font-weight:850;\r\n    }\r\n\r\n    .vfx-sticky-close {\r\n      appearance:none;\r\n      border:0;\r\n      background:transparent;\r\n      color:rgba(16,32,51,.62);\r\n      cursor:pointer;\r\n      font-size:20px;\r\n      line-height:1;\r\n      padding:6px 8px;\r\n      border-radius:10px;\r\n    }\r\n\r\n    .vfx-sticky .vfx-btn {\r\n      min-height:42px;\r\n      padding:12px 15px;\r\n      border-radius:999px;\r\n      font-size:13.5px;\r\n      white-space:nowrap;\r\n    }\r\n\r\n    @media(prefers-reduced-motion:reduce){\r\n      .vfx-track{animation:none;}\r\n      .vfx-btn,.vfx-play-button,.vfx-sticky{transition:none;}\r\n    }\r\n\r\n    @media(max-width:1060px){\r\n      .vfx-hero-grid,\r\n      .vfx-form-grid,\r\n      .vfx-video-grid {\r\n        grid-template-columns:1fr;\r\n      }\r\n\r\n      .vfx-hero-copy,\r\n      .vfx-video-copy {\r\n        text-align:center;\r\n      }\r\n\r\n      .vfx-h1,\r\n      .vfx-hero-sub {\r\n        margin-left:auto;\r\n        margin-right:auto;\r\n      }\r\n\r\n      .vfx-actions {\r\n        justify-content:center;\r\n      }\r\n\r\n      .vfx-proof-row {\r\n        margin-left:auto;\r\n        margin-right:auto;\r\n      }\r\n\r\n      .vfx-video-list,\r\n      .vfx-form-points {\r\n        max-width:560px;\r\n        margin-left:auto;\r\n        margin-right:auto;\r\n        text-align:left;\r\n      }\r\n    }\r\n\r\n    @media(max-width:900px){\r\n      .vfx-benefits-grid,\r\n      .vfx-process-grid {\r\n        grid-template-columns:1fr;\r\n      }\r\n    }\r\n\r\n    @media(max-width:680px){\r\n      .vfx-container {\r\n        width:min(100% - 26px,1160px);\r\n      }\r\n\r\n      .vfx-topbar {\r\n        padding:14px 0 6px;\r\n      }\r\n\r\n      .vfx-topbar-inner {\r\n        flex-direction:column;\r\n        gap:10px;\r\n        text-align:center;\r\n      }\r\n\r\n      .vfx-logo-shell {\r\n        padding:8px 12px;\r\n        border-radius:22px;\r\n      }\r\n\r\n      .vfx-logo {\r\n        width:245px;\r\n        border-radius:14px!important;\r\n      }\r\n\r\n      .vfx-top-note {\r\n        display:none;\r\n      }\r\n\r\n      .vfx-hero {\r\n        padding:28px 0 34px;\r\n      }\r\n\r\n      .vfx-section {\r\n        padding:44px 0;\r\n      }\r\n\r\n      .vfx-eyebrow {\r\n        justify-content:center;\r\n        margin-bottom:14px;\r\n        font-size:11.5px;\r\n      }\r\n\r\n      .vfx-h1 {\r\n        font-size:39px;\r\n        line-height:1.02;\r\n        letter-spacing:-1.1px;\r\n        margin-bottom:15px;\r\n      }\r\n\r\n      .vfx-hero-sub {\r\n        font-size:16px;\r\n        line-height:1.6;\r\n      }\r\n\r\n      .vfx-actions {\r\n        margin-top:22px;\r\n      }\r\n\r\n      .vfx-btn {\r\n        width:100%;\r\n        min-height:52px;\r\n        padding:15px 18px;\r\n      }\r\n\r\n      .vfx-proof-row {\r\n        grid-template-columns:1fr;\r\n        gap:9px;\r\n        margin-top:22px;\r\n      }\r\n\r\n      .vfx-proof {\r\n        padding:13px 15px;\r\n      }\r\n\r\n      .vfx-portrait-card {\r\n        padding:11px;\r\n        border-radius:26px;\r\n      }\r\n\r\n      .vfx-portrait-card:before {\r\n        display:none;\r\n      }\r\n\r\n      .vfx-portrait-main {\r\n        border-radius:20px;\r\n      }\r\n\r\n      .vfx-portrait-main img {\r\n        height:335px;\r\n        border-radius:20px!important;\r\n      }\r\n\r\n      .vfx-portrait-caption {\r\n        padding:15px 8px 3px;\r\n      }\r\n\r\n      .vfx-portrait-caption h2 {\r\n        font-size:25px;\r\n      }\r\n\r\n      .vfx-reg-strip,\r\n      .vfx-authority-card {\r\n        padding:14px 15px;\r\n      }\r\n\r\n      .vfx-authority-title {\r\n        font-size:11.5px;\r\n        margin-bottom:10px;\r\n      }\r\n\r\n      .vfx-authority-logos {\r\n        gap:12px;\r\n      }\r\n\r\n      .vfx-authority-logos img {\r\n        height:50px;\r\n      }\r\n\r\n      .vfx-authority-logos img.vfx-ministry-logo {\r\n        height:56px;\r\n      }\r\n\r\n      .vfx-form-section {\r\n        padding:28px 0 44px;\r\n      }\r\n\r\n      .vfx-form-side {\r\n        display:none;\r\n      }\r\n\r\n      .vfx-form-title-mobile {\r\n        display:block;\r\n      }\r\n\r\n      .vfx-form-card {\r\n        padding:20px;\r\n        border-radius:24px;\r\n      }\r\n\r\n      .vfx-pre-form-list {\r\n        gap:7px;\r\n        margin-bottom:18px;\r\n      }\r\n\r\n      .vfx-chip {\r\n        font-size:12px;\r\n        padding:7px 10px;\r\n      }\r\n\r\n      .vfx-video-copy h2,\r\n      .vfx-h2 {\r\n        font-size:34px;\r\n        letter-spacing:-.8px;\r\n      }\r\n\r\n      .vfx-video-copy p,\r\n      .vfx-lead {\r\n        font-size:15.5px;\r\n      }\r\n\r\n      .vfx-video-card {\r\n        padding:8px;\r\n        border-radius:22px;\r\n      }\r\n\r\n      .vfx-video-frame {\r\n        border-radius:16px;\r\n      }\r\n\r\n      .vfx-play-button {\r\n        width:64px;\r\n        height:64px;\r\n      }\r\n\r\n      .vfx-play-button span {\r\n        border-top-width:12px;\r\n        border-bottom-width:12px;\r\n        border-left-width:20px;\r\n      }\r\n\r\n      .vfx-benefit,\r\n      .vfx-step,\r\n      .vfx-lenders-card {\r\n        padding:22px;\r\n        border-radius:24px;\r\n      }\r\n\r\n      .vfx-final {\r\n        padding:38px 20px;\r\n        border-radius:26px;\r\n      }\r\n\r\n      .vfx-sticky {\r\n        bottom:10px;\r\n        padding:9px 10px;\r\n        border-radius:18px;\r\n      }\r\n\r\n      .vfx-sticky-text {\r\n        display:none;\r\n      }\r\n\r\n      .vfx-sticky .vfx-btn {\r\n        width:auto;\r\n        flex:1;\r\n      }\r\n    }\r\n\r\n    @media(max-width:420px){\r\n      .vfx-h1 {\r\n        font-size:36px;\r\n      }\r\n\r\n      .vfx-portrait-main img {\r\n        height:305px;\r\n      }\r\n\r\n      .vfx-logo {\r\n        width:225px;\r\n      }\r\n\r\n      .vfx-authority-logos img {\r\n        height:44px;\r\n      }\r\n\r\n      .vfx-authority-logos img.vfx-ministry-logo {\r\n        height:50px;\r\n      }\r\n    }\r\n  <\/style>\r\n\r\n  <!-- TOP BAR -->\r\n  <header class=\"vfx-topbar\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-topbar-inner\">\r\n        <div class=\"vfx-logo-shell\">\r\n          <img decoding=\"async\" class=\"vfx-logo\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/with_padding-scaled.png\" alt=\"Viva Finance\">\r\n        <\/div>\r\n\r\n        <div class=\"vfx-top-note\">\r\n          Spanish mortgages for international buyers\r\n          <span>Bank of Spain Registration N\u00ba E551<\/span>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/header>\r\n\r\n  <!-- HERO -->\r\n  <section class=\"vfx-hero\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-hero-grid\">\r\n        <div class=\"vfx-hero-copy\">\r\n          <div class=\"vfx-eyebrow\">Personal mortgage guidance in Spain<\/div>\r\n\r\n          <h1 class=\"vfx-h1\">\r\n            Spanish mortgages made clear for <span>International buyers.<\/span>\r\n          <\/h1>\r\n\r\n          <p class=\"vfx-hero-sub\">\r\n            Work directly with an English-speaking mortgage broker to understand your borrowing power, compare Spanish lenders and move towards completion with confidence.\r\n            <br><br>\r\n            <strong>No upfront fees. You only pay if you decide to proceed with a mortgage offer.<\/strong>\r\n          <\/p>\r\n\r\n          <div class=\"vfx-actions\">\r\n            <a class=\"vfx-btn vfx-btn-primary vfx-to-tool\" href=\"#vfx-mortgage-plan\">\r\n              Get My Mortgage Plan\r\n            <\/a>\r\n            <a class=\"vfx-btn vfx-btn-secondary vfx-to-form\" href=\"#vfx-form-card\">\r\n              Book a Free Mortgage Review\r\n            <\/a>\r\n          <\/div>\r\n\r\n          <div class=\"vfx-micro\">\r\n            Use the 4-question mortgage plan below or book a call directly.\r\n          <\/div>\r\n\r\n          <div class=\"vfx-proof-row\">\r\n            <div class=\"vfx-proof\">\r\n              <strong>No upfront fees<\/strong>\r\n              <span>Start with a free assessment.<\/span>\r\n            <\/div>\r\n            <div class=\"vfx-proof\">\r\n              <strong>English support<\/strong>\r\n              <span>Clear explanations throughout.<\/span>\r\n            <\/div>\r\n            <div class=\"vfx-proof\">\r\n              <strong>Regulated broker<\/strong>\r\n              <span>Registration N\u00ba E551.<\/span>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-hero-portrait\">\r\n          <div class=\"vfx-portrait-card\">\r\n            <div class=\"vfx-portrait-main\">\r\n              <img decoding=\"async\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/12\/toni_11zon.jpg\" alt=\"Marco Antonio Serrano Viriot\" loading=\"eager\">\r\n            <\/div>\r\n\r\n            <div class=\"vfx-portrait-caption\">\r\n              <h2>Marco Antonio Serrano Viriot<\/h2>\r\n              <p>Mortgage Broker \u00b7 Viva Finance<\/p>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"vfx-reg-strip\">\r\n            <strong>Regulated by the Bank of Spain<\/strong>\r\n            <span>Registration N\u00ba E551 \u00b7 Professional mortgage guidance for buyers in Spain.<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"vfx-authority-card\">\r\n            <div class=\"vfx-authority-title\">Official registrations and institutional trust<\/div>\r\n            <div class=\"vfx-authority-logos\">\r\n              <img decoding=\"async\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000.jpg\" alt=\"Bank of Spain\" loading=\"lazy\">\r\n              <img decoding=\"async\" class=\"vfx-ministry-logo\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-scaled.jpg\" alt=\"Ministry of Economy, Trade and Enterprise\" loading=\"lazy\">\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- Viva Finance \u2014 Mini Spanish Mortgage & Property Plan Tool\r\n     Elementor-ready. Paste this whole block into ONE Elementor HTML widget.\r\n     Purpose: lightweight landing-page tool with only 4 user fields. -->\r\n\r\n<!-- MINI MORTGAGE TOOL \u2014 BEST PLACEMENT:\r\n     Paste this block immediately after the HERO section and before the FORM section. -->\r\n<section class=\"vf-mini-mortgage-tool vfx-mini-plan-section\" id=\"vfx-mortgage-plan\" data-vf-mini-tool=\"spanish-mortgage-plan\">\r\n\r\n  <div class=\"vfmini-wrap\">\r\n\r\n    <div class=\"vfmini-head\">\r\n      <div>\r\n        <h2>Spanish Mortgage & Property Plan<\/h2>\r\n        <p>Answer 4 quick questions to see your estimated mortgage, deposit, buying costs and document checklist.<\/p>\r\n      <\/div>\r\n\r\n\r\n    <\/div>\r\n\r\n    <div class=\"vfmini-form\" aria-label=\"Spanish mortgage mini assessment\">\r\n\r\n      <div class=\"vfmini-field\">\r\n        <label>Where do you pay tax?<\/label>\r\n        <select data-field=\"country\" aria-label=\"Where do you pay tax?\">\r\n          <option value=\"\">Select country<\/option>\r\n          <option value=\"Spain\">Spain<\/option>\r\n          <option value=\"United Kingdom\">United Kingdom<\/option>\r\n          <option value=\"Ireland\">Ireland<\/option>\r\n          <option value=\"Sweden\">Sweden<\/option>\r\n          <option value=\"Norway\">Norway<\/option>\r\n          <option value=\"Denmark\">Denmark<\/option>\r\n          <option value=\"Finland\">Finland<\/option>\r\n          <option value=\"Germany\">Germany<\/option>\r\n          <option value=\"Netherlands\">Netherlands<\/option>\r\n          <option value=\"France\">France<\/option>\r\n          <option value=\"Belgium\">Belgium<\/option>\r\n          <option value=\"Switzerland\">Switzerland<\/option>\r\n          <option value=\"United States\">United States<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-field\">\r\n        <label>Employment type<\/label>\r\n        <select data-field=\"incomeType\" aria-label=\"Employment type\">\r\n          <option value=\"\">Select employment type<\/option>\r\n          <option value=\"employed\">Employed<\/option>\r\n          <option value=\"self\">Self-employed \/ Business owner<\/option>\r\n          <option value=\"mixed\">Mixed income<\/option>\r\n          <option value=\"retired\">Retired \/ Pension<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-field\">\r\n        <label>Where are you buying in Spain?<\/label>\r\n        <select data-field=\"region\" aria-label=\"Where are you buying in Spain?\">\r\n          <option value=\"\">Select region<\/option>\r\n          <option value=\"andalucia\">Andaluc\u00eda<\/option>\r\n          <option value=\"aragon\">Arag\u00f3n<\/option>\r\n          <option value=\"asturias\">Asturias<\/option>\r\n          <option value=\"balearic\">Illes Balears<\/option>\r\n          <option value=\"canary\">Canarias<\/option>\r\n          <option value=\"cantabria\">Cantabria<\/option>\r\n          <option value=\"castile_lamancha\">Castilla-La Mancha<\/option>\r\n          <option value=\"castile_leon\">Castilla y Le\u00f3n<\/option>\r\n          <option value=\"catalonia\">Catalu\u00f1a<\/option>\r\n          <option value=\"valencia\">Comunitat Valenciana<\/option>\r\n          <option value=\"extremadura\">Extremadura<\/option>\r\n          <option value=\"galicia\">Galicia<\/option>\r\n          <option value=\"madrid\">Comunidad de Madrid<\/option>\r\n          <option value=\"murcia\">Regi\u00f3n de Murcia<\/option>\r\n          <option value=\"navarre\">Navarra<\/option>\r\n          <option value=\"basque\">Pa\u00eds Vasco<\/option>\r\n          <option value=\"rioja\">La Rioja<\/option>\r\n          <option value=\"ceuta\">Ceuta<\/option>\r\n          <option value=\"melilla\">Melilla<\/option>\r\n          <option value=\"default\">Other \/ not sure yet<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-field\">\r\n        <label>Purchase price (\u20ac)<\/label>\r\n        <input data-field=\"price\" type=\"number\" min=\"1\" step=\"1000\" placeholder=\"e.g. 500000\" aria-label=\"Purchase price\">\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <div class=\"vfmini-hint\" data-output=\"hint\">\r\n      Select all fields to see your personalised mortgage snapshot.\r\n    <\/div>\r\n\r\n    <div class=\"vfmini-result\" data-output=\"result\" aria-live=\"polite\">\r\n\r\n      <div class=\"vfmini-result-top\">\r\n        <div>\r\n          <span data-output=\"profileType\">Personalised overview<\/span>\r\n          <h3 data-output=\"profileTitle\">Your mortgage snapshot<\/h3>\r\n          <p data-output=\"profileLine\">\u2014<\/p>\r\n        <\/div>\r\n        <a href=\"#vfx-form-card\" class=\"vfmini-top-cta vfx-to-form\">Book a free review<\/a>\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-numbers\">\r\n        <article>\r\n          <span>Estimated mortgage<\/span>\r\n          <strong data-output=\"mortgageAmount\">\u2014<\/strong>\r\n          <small data-output=\"ltvNote\">\u2014<\/small>\r\n        <\/article>\r\n\r\n        <article>\r\n          <span>Estimated deposit<\/span>\r\n          <strong data-output=\"depositAmount\">\u2014<\/strong>\r\n          <small>Deposit before purchase costs<\/small>\r\n        <\/article>\r\n\r\n        <article>\r\n          <span>Estimated purchase costs<\/span>\r\n          <strong data-output=\"purchaseCosts\">\u2014<\/strong>\r\n          <small data-output=\"taxNote\">Resale property estimate<\/small>\r\n        <\/article>\r\n\r\n        <article>\r\n          <span>Total cash needed<\/span>\r\n          <strong data-output=\"cashNeeded\">\u2014<\/strong>\r\n          <small>Deposit + estimated costs<\/small>\r\n        <\/article>\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-panels\">\r\n\r\n        <article class=\"vfmini-panel\">\r\n          <div class=\"vfmini-panel-head\">\r\n            <span>01<\/span>\r\n            <h4>Mortgage expectations<\/h4>\r\n          <\/div>\r\n          <p data-output=\"mortgageText\">\u2014<\/p>\r\n        <\/article>\r\n\r\n        <article class=\"vfmini-panel\">\r\n          <div class=\"vfmini-panel-head\">\r\n            <span>02<\/span>\r\n            <h4>Your document plan<\/h4>\r\n          <\/div>\r\n          <ul data-output=\"docsList\"><\/ul>\r\n        <\/article>\r\n\r\n        <article class=\"vfmini-panel\">\r\n          <div class=\"vfmini-panel-head\">\r\n            <span>03<\/span>\r\n            <h4 data-output=\"regionTitle\">Regional buying costs<\/h4>\r\n          <\/div>\r\n          <p data-output=\"regionText\">\u2014<\/p>\r\n          <div class=\"vfmini-cost-row\">\r\n            <span data-output=\"taxLabel\">Estimated property tax<\/span>\r\n            <strong data-output=\"taxAmount\">\u2014<\/strong>\r\n          <\/div>\r\n          <small class=\"vfmini-small\">Costs are indicative and depend on property type, region, price brackets and buyer profile.<\/small>\r\n        <\/article>\r\n\r\n        <article class=\"vfmini-panel\">\r\n          <div class=\"vfmini-panel-head\">\r\n            <span>04<\/span>\r\n            <h4>How Viva Finance helps<\/h4>\r\n          <\/div>\r\n          <p data-output=\"positioningText\">\u2014<\/p>\r\n          <a href=\"#vfx-form-card\" class=\"vfmini-main-cta vfx-to-form\">Get a free mortgage review<\/a>\r\n        <\/article>\r\n\r\n      <\/div>\r\n\r\n      <div class=\"vfmini-bottom-note\">\r\n        <strong>Want a detailed affordability check?<\/strong>\r\n        <span>Use our full Spanish Mortgage Pre-Assessment Tool for DTI, term, fixed\/variable payment examples and a more complete scenario.<\/span>\r\n        <a class=\"vfmini-full-tool-btn\" href=\"https:\/\/www.vivafinance.es\/spanish-mortgage-lending-process\/\">Open full pre-assessment tool<\/a>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n  .vfx-mini-plan-section{\r\n    padding:42px 16px 20px;\r\n    background:\r\n      radial-gradient(circle at 12% 0%, rgba(185,151,91,.10), transparent 28%),\r\n      linear-gradient(180deg,#ffffff 0%,#f6f8fb 100%);\r\n  }\r\n\r\n  .vf-mini-mortgage-tool,\r\n  .vf-mini-mortgage-tool *,\r\n  .vf-mini-mortgage-tool h1,\r\n  .vf-mini-mortgage-tool h2,\r\n  .vf-mini-mortgage-tool h3,\r\n  .vf-mini-mortgage-tool h4,\r\n  .vf-mini-mortgage-tool h5,\r\n  .vf-mini-mortgage-tool h6,\r\n  .vf-mini-mortgage-tool p,\r\n  .vf-mini-mortgage-tool a,\r\n  .vf-mini-mortgage-tool button,\r\n  .vf-mini-mortgage-tool input,\r\n  .vf-mini-mortgage-tool select,\r\n  .vf-mini-mortgage-tool span,\r\n  .vf-mini-mortgage-tool strong,\r\n  .vf-mini-mortgage-tool small,\r\n  .vf-mini-mortgage-tool li{\r\n    font-family:var(--vfx-font-body)!important;\r\n  }\r\n\r\n  .vf-mini-mortgage-tool{\r\n    --vf-blue:#123f70;\r\n    --vf-blue-dark:#082846;\r\n    --vf-ink:#102033;\r\n    --vf-text:#334155;\r\n    --vf-muted:#66758a;\r\n    --vf-soft:#f6f8fb;\r\n    --vf-line:rgba(18,63,112,.14);\r\n    --vf-shadow:0 22px 58px rgba(16,32,51,.12);\r\n    width:100%;\r\n    max-width:1160px;\r\n    margin:0 auto;\r\n    padding:0;\r\n    color:var(--vf-ink);\r\n    font-family:var(--vfx-font-body)!important;\r\n    overflow-x:hidden;\r\n  }\r\n\r\n  .vf-mini-mortgage-tool,\r\n  .vf-mini-mortgage-tool *{\r\n    box-sizing:border-box;\r\n    font-family:var(--vfx-font-body)!important;\r\n  }\r\n\r\n  .vfmini-wrap{\r\n    border-radius:30px;\r\n    background:\r\n      radial-gradient(circle at 12% 0%, rgba(15,67,146,.10), transparent 35%),\r\n      radial-gradient(circle at 95% 5%, rgba(201,164,92,.12), transparent 30%),\r\n      linear-gradient(160deg,#ffffff,#f4f8ff);\r\n    border:1px solid var(--vf-line);\r\n    box-shadow:var(--vf-shadow);\r\n    padding:24px;\r\n    overflow:hidden;\r\n  }\r\n\r\n  .vfmini-head{\r\n    margin-bottom:22px;\r\n  }\r\n\r\n  .vfmini-eyebrow{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    padding:8px 12px;\r\n    border-radius:999px;\r\n    background:rgba(15,67,146,.08);\r\n    color:var(--vf-blue);\r\n    border:1px solid rgba(15,67,146,.13);\r\n    font-size:12px;\r\n    font-weight:950;\r\n    letter-spacing:.12em;\r\n    text-transform:uppercase;\r\n    margin-bottom:12px;\r\n  }\r\n\r\n  .vfmini-head h2{\r\n    margin:0;\r\n    color:var(--vf-blue);\r\n    font-size:clamp(30px,3.1vw,46px);\r\n    line-height:1.06;\r\n    letter-spacing:-.04em;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-head p{\r\n    margin:10px 0 0;\r\n    max-width:700px;\r\n    color:var(--vf-text);\r\n    font-size:16px;\r\n    line-height:1.55;\r\n  }\r\n\r\n  .vfmini-form{\r\n    display:grid;\r\n    grid-template-columns:repeat(4,minmax(0,1fr));\r\n    gap:14px;\r\n    align-items:end;\r\n    padding:16px;\r\n    border-radius:24px;\r\n    background:rgba(255,255,255,.86);\r\n    border:1px solid rgba(15,67,146,.12);\r\n    box-shadow:0 12px 28px rgba(15,67,146,.07);\r\n  }\r\n\r\n  .vfmini-field{\r\n    min-width:0;\r\n  }\r\n\r\n  .vfmini-field label{\r\n    display:block;\r\n    margin-bottom:7px;\r\n    color:var(--vf-ink);\r\n    font-size:13px;\r\n    line-height:1.25;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-field input,\r\n  .vfmini-field select{\r\n    width:100%;\r\n    min-height:48px;\r\n    border-radius:15px;\r\n    border:1px solid rgba(15,67,146,.18);\r\n    background:#fff;\r\n    color:var(--vf-ink);\r\n    padding:0 13px;\r\n    font-size:14px;\r\n    outline:none;\r\n    transition:border-color .2s ease, box-shadow .2s ease;\r\n  }\r\n\r\n  .vfmini-field input:focus,\r\n  .vfmini-field select:focus{\r\n    border-color:var(--vf-blue);\r\n    box-shadow:0 0 0 4px rgba(15,67,146,.10);\r\n  }\r\n\r\n  .vfmini-field .vfmini-error,\r\n  .vfmini-error{\r\n    border-color:#b91c1c!important;\r\n    box-shadow:0 0 0 4px rgba(185,28,28,.10)!important;\r\n  }\r\n\r\n  .vfmini-hint{\r\n    margin-top:14px;\r\n    padding:13px 15px;\r\n    border-radius:18px;\r\n    background:#ffffff;\r\n    border:1px dashed rgba(15,67,146,.22);\r\n    color:var(--vf-muted);\r\n    font-size:14px;\r\n    line-height:1.5;\r\n    text-align:center;\r\n  }\r\n\r\n  .vfmini-hint.is-ready{\r\n    display:none;\r\n  }\r\n\r\n  .vfmini-result{\r\n    display:none;\r\n    margin-top:18px;\r\n    border-radius:26px;\r\n    overflow:hidden;\r\n    background:#fff;\r\n    border:1px solid var(--vf-line);\r\n    box-shadow:0 18px 42px rgba(15,67,146,.10);\r\n  }\r\n\r\n  .vfmini-result.is-visible{\r\n    display:block;\r\n    animation:vfminiFade .28s ease;\r\n  }\r\n\r\n  @keyframes vfminiFade{\r\n    from{opacity:0;transform:translateY(8px);}\r\n    to{opacity:1;transform:translateY(0);}\r\n  }\r\n\r\n  .vfmini-result-top{\r\n    display:flex;\r\n    justify-content:space-between;\r\n    align-items:center;\r\n    gap:18px;\r\n    padding:22px;\r\n    background:linear-gradient(135deg,var(--vf-blue),var(--vf-blue-dark));\r\n    color:#fff;\r\n  }\r\n\r\n  .vfmini-result-top span{\r\n    display:block;\r\n    color:rgba(255,255,255,.74);\r\n    font-size:12px;\r\n    font-weight:950;\r\n    letter-spacing:.10em;\r\n    text-transform:uppercase;\r\n    margin-bottom:6px;\r\n  }\r\n\r\n  .vfmini-result-top h3{\r\n    margin:0;\r\n    color:#fff;\r\n    font-size:clamp(24px,2.4vw,34px);\r\n    line-height:1.1;\r\n    font-weight:950;\r\n    letter-spacing:-.03em;\r\n  }\r\n\r\n  .vfmini-result-top p{\r\n    margin:7px 0 0;\r\n    color:rgba(255,255,255,.84);\r\n    font-size:14px;\r\n    line-height:1.5;\r\n  }\r\n\r\n  .vfmini-top-cta{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    min-height:46px;\r\n    padding:0 17px;\r\n    border-radius:15px;\r\n    background:#fff;\r\n    color:var(--vf-blue)!important;\r\n    text-decoration:none!important;\r\n    font-weight:950;\r\n    white-space:nowrap;\r\n  }\r\n\r\n  .vfmini-numbers{\r\n    display:grid;\r\n    grid-template-columns:repeat(4,minmax(0,1fr));\r\n    border-bottom:1px solid rgba(15,67,146,.10);\r\n  }\r\n\r\n  .vfmini-numbers article{\r\n    padding:18px;\r\n    border-right:1px solid rgba(15,67,146,.10);\r\n  }\r\n\r\n  .vfmini-numbers article:last-child{\r\n    border-right:0;\r\n  }\r\n\r\n  .vfmini-numbers span{\r\n    display:block;\r\n    color:var(--vf-muted);\r\n    font-size:12px;\r\n    font-weight:950;\r\n    text-transform:uppercase;\r\n    letter-spacing:.07em;\r\n    margin-bottom:7px;\r\n  }\r\n\r\n  .vfmini-numbers strong{\r\n    display:block;\r\n    color:var(--vf-blue);\r\n    font-size:clamp(20px,2vw,28px);\r\n    line-height:1.15;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-numbers small{\r\n    display:block;\r\n    margin-top:6px;\r\n    color:var(--vf-muted);\r\n    font-size:12px;\r\n    line-height:1.35;\r\n  }\r\n\r\n  .vfmini-panels{\r\n    display:grid;\r\n    grid-template-columns:repeat(2,minmax(0,1fr));\r\n    gap:16px;\r\n    padding:16px;\r\n    background:#fff;\r\n  }\r\n\r\n  .vfmini-panel{\r\n    border-radius:22px;\r\n    background:#fff;\r\n    border:1px solid rgba(15,67,146,.13);\r\n    box-shadow:0 10px 24px rgba(15,67,146,.07);\r\n    padding:18px;\r\n  }\r\n\r\n  .vfmini-panel-head{\r\n    display:flex;\r\n    align-items:center;\r\n    gap:10px;\r\n    margin-bottom:12px;\r\n  }\r\n\r\n  .vfmini-panel-head span{\r\n    min-width:32px;\r\n    height:32px;\r\n    padding:0 9px;\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    border-radius:11px;\r\n    background:var(--vf-blue);\r\n    color:#fff;\r\n    font-size:12px;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-panel-head h4{\r\n    margin:0;\r\n    color:var(--vf-ink);\r\n    font-size:19px;\r\n    line-height:1.2;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-panel p{\r\n    margin:0;\r\n    color:var(--vf-text);\r\n    font-size:14px;\r\n    line-height:1.6;\r\n  }\r\n\r\n  .vfmini-panel ul{\r\n    list-style:none;\r\n    margin:0;\r\n    padding:0 0 0 26px;\r\n  }\r\n\r\n  .vfmini-panel li{\r\n    position:relative;\r\n    margin:0 0 9px;\r\n    color:var(--vf-text);\r\n    font-size:14px;\r\n    line-height:1.48;\r\n  }\r\n\r\n  .vfmini-panel li:before{\r\n    content:\"\u2713\";\r\n    position:absolute;\r\n    left:-24px;\r\n    top:0;\r\n    color:var(--vf-blue);\r\n    font-weight:950;\r\n  }\r\n\r\n  .vfmini-cost-row{\r\n    display:flex;\r\n    justify-content:space-between;\r\n    gap:12px;\r\n    margin-top:14px;\r\n    padding-top:13px;\r\n    border-top:1px solid rgba(15,67,146,.12);\r\n  }\r\n\r\n  .vfmini-cost-row span{\r\n    color:var(--vf-muted);\r\n    font-size:13px;\r\n    font-weight:850;\r\n  }\r\n\r\n  .vfmini-cost-row strong{\r\n    color:var(--vf-blue);\r\n    font-size:15px;\r\n    font-weight:950;\r\n    text-align:right;\r\n  }\r\n\r\n  .vfmini-small{\r\n    display:block;\r\n    margin-top:10px;\r\n    color:var(--vf-muted);\r\n    font-size:12px;\r\n    line-height:1.45;\r\n  }\r\n\r\n  .vfmini-main-cta{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    width:100%;\r\n    min-height:48px;\r\n    margin-top:16px;\r\n    padding:0 16px;\r\n    border-radius:15px;\r\n    background:var(--vf-blue);\r\n    color:#fff!important;\r\n    text-decoration:none!important;\r\n    font-weight:950;\r\n    box-shadow:0 14px 28px rgba(15,67,146,.18);\r\n  }\r\n\r\n  .vfmini-bottom-note{\r\n    display:flex;\r\n    align-items:center;\r\n    justify-content:space-between;\r\n    gap:14px;\r\n    margin:0 16px 16px;\r\n    padding:15px;\r\n    border-radius:20px;\r\n    background:#f8fbff;\r\n    border:1px solid rgba(15,67,146,.12);\r\n  }\r\n\r\n  .vfmini-bottom-note strong{\r\n    color:var(--vf-blue);\r\n    font-size:14px;\r\n    font-weight:950;\r\n    white-space:nowrap;\r\n  }\r\n\r\n  .vfmini-bottom-note span{\r\n    flex:1;\r\n    color:var(--vf-text);\r\n    font-size:13px;\r\n    line-height:1.45;\r\n  }\r\n\r\n  .vfmini-bottom-note a{\r\n    color:var(--vf-blue)!important;\r\n    font-weight:950;\r\n    text-decoration:underline;\r\n    white-space:nowrap;\r\n  }\r\n\r\n  .vfmini-bottom-note .vfmini-full-tool-btn{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    min-height:44px;\r\n    padding:0 16px;\r\n    border-radius:14px;\r\n    background:var(--vf-blue);\r\n    color:#fff!important;\r\n    text-decoration:none!important;\r\n    box-shadow:0 12px 24px rgba(15,67,146,.20);\r\n    transition:transform .2s ease, background .2s ease, box-shadow .2s ease;\r\n  }\r\n\r\n  .vfmini-bottom-note .vfmini-full-tool-btn:hover{\r\n    transform:translateY(-2px);\r\n    background:var(--vf-blue-dark);\r\n    box-shadow:0 18px 30px rgba(15,67,146,.26);\r\n  }\r\n\r\n  @media(max-width:1024px){\r\n    .vfmini-form,\r\n    .vfmini-numbers{\r\n      grid-template-columns:repeat(2,minmax(0,1fr));\r\n    }\r\n  }\r\n\r\n  @media(max-width:820px){\r\n    .vfmini-head,\r\n    .vfmini-result-top,\r\n    .vfmini-bottom-note{\r\n      display:block;\r\n    }\r\n\r\n    .vfmini-top-cta{\r\n      width:100%;\r\n      margin-top:16px;\r\n    }\r\n\r\n    .vfmini-bottom-note strong,\r\n    .vfmini-bottom-note span,\r\n    .vfmini-bottom-note a{\r\n      display:block;\r\n      white-space:normal;\r\n      margin-top:8px;\r\n    }\r\n\r\n    .vfmini-bottom-note .vfmini-full-tool-btn{\r\n      width:100%;\r\n      margin-top:12px;\r\n    }\r\n  }\r\n\r\n  @media(max-width:640px){\r\n    .vf-mini-mortgage-tool{\r\n      padding:0 10px;\r\n    }\r\n\r\n    .vfmini-wrap{\r\n      padding:16px;\r\n      border-radius:24px;\r\n    }\r\n\r\n    .vfmini-head h2{\r\n      font-size:28px;\r\n    }\r\n\r\n    .vfmini-form,\r\n    .vfmini-numbers,\r\n    .vfmini-panels{\r\n      grid-template-columns:1fr;\r\n    }\r\n\r\n    .vfmini-form{\r\n      padding:13px;\r\n      border-radius:20px;\r\n    }\r\n\r\n    .vfmini-numbers article{\r\n      border-right:0;\r\n      border-bottom:1px solid rgba(15,67,146,.10);\r\n    }\r\n\r\n    .vfmini-numbers article:last-child{\r\n      border-bottom:0;\r\n    }\r\n\r\n    .vfmini-panels{\r\n      padding:13px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  function initMiniMortgageTool(root){\r\n    if(!root || root.dataset.vfMiniInit === \"1\") return;\r\n    root.dataset.vfMiniInit = \"1\";\r\n\r\n    const regions = {\r\n      default:{name:\"Other \/ typical estimate\",itp:0.08,note:\"Purchase costs vary by region, buyer profile and property type. This is a useful first estimate before a full review.\"},\r\n      andalucia:{name:\"Andaluc\u00eda\",itp:0.07,note:\"Andaluc\u00eda is highly popular with international buyers, especially around the Costa del Sol. Resale purchase tax is commonly estimated at 7%.\"},\r\n      aragon:{name:\"Arag\u00f3n\",itp:0.08,note:\"Typical resale estimate: 8% ITP. Exact rates may vary depending on price and buyer profile.\"},\r\n      asturias:{name:\"Asturias\",itp:0.08,note:\"Typical resale estimate: 8% ITP. Exact rates may vary depending on the specific case.\"},\r\n      balearic:{name:\"Illes Balears\",itp:0.08,note:\"Balearic purchase tax can be progressive depending on price. This tool uses a simplified starting estimate.\"},\r\n      canary:{name:\"Canarias\",itp:0.065,note:\"For resale properties in the Canary Islands, transfer tax is commonly estimated around 6.5%. New builds use IGIC instead of VAT.\"},\r\n      cantabria:{name:\"Cantabria\",itp:0.10,note:\"Typical resale estimate: 10% ITP. Exact rates can vary depending on buyer profile.\"},\r\n      castile_lamancha:{name:\"Castilla-La Mancha\",itp:0.09,note:\"Typical resale estimate: 9% ITP. Exact rates may vary depending on the specific case.\"},\r\n      castile_leon:{name:\"Castilla y Le\u00f3n\",itp:0.08,note:\"Typical resale estimate: 8% ITP. Exact rates may vary depending on buyer profile.\"},\r\n      catalonia:{name:\"Catalu\u00f1a\",itp:0.10,note:\"Catalu\u00f1a is a high-demand region where resale purchase tax is commonly estimated around 10%.\"},\r\n      valencia:{name:\"Comunitat Valenciana\",itp:0.10,note:\"Comunitat Valenciana is popular with international buyers and resale purchase tax is commonly estimated around 10%.\"},\r\n      extremadura:{name:\"Extremadura\",itp:0.08,note:\"Typical resale estimate: 8% ITP. Exact rates may vary depending on price and buyer profile.\"},\r\n      galicia:{name:\"Galicia\",itp:0.08,note:\"Typical resale estimate: 8% ITP. Exact rates may vary depending on the buyer profile.\"},\r\n      madrid:{name:\"Comunidad de Madrid\",itp:0.06,note:\"Madrid has one of the lower general resale purchase tax positions in Spain, commonly estimated at 6%.\"},\r\n      murcia:{name:\"Regi\u00f3n de Murcia\",itp:0.08,note:\"Murcia can offer attractive purchase prices compared with some coastal regions, but lenders still focus on affordability and valuation.\"},\r\n      navarre:{name:\"Navarra\",itp:0.06,note:\"This tool uses a simplified estimate for Navarra. Exact tax treatment should be confirmed locally.\"},\r\n      basque:{name:\"Pa\u00eds Vasco\",itp:0.07,note:\"Basque Country tax treatment can differ by province. Buyers should confirm exact regional costs before purchase.\"},\r\n      rioja:{name:\"La Rioja\",itp:0.07,note:\"Typical resale estimate: 7% ITP. Exact rates may vary depending on buyer profile.\"},\r\n      ceuta:{name:\"Ceuta\",itp:0.06,note:\"This tool uses a simplified estimate for Ceuta. Confirm exact rates before purchase.\"},\r\n      melilla:{name:\"Melilla\",itp:0.06,note:\"This tool uses a simplified estimate for Melilla. Confirm exact rates before purchase.\"}\r\n    };\r\n\r\n    const docs = {\r\n      employed:[\r\n        \"Passport or ID, plus NIE once started\",\r\n        \"Latest 3 payslips\",\r\n        \"Employment contract, or employer confirmation letter\",\r\n        \"Home-country credit report\",\r\n        \"Latest 2 years' tax returns or annual tax summaries\",\r\n        \"Last 6 to 12 months of personal bank statements\",\r\n        \"Proof of deposit and savings build-up\",\r\n        \"List of existing loans, cards and regular commitments\"\r\n      ],\r\n      self:[\r\n        \"Passport or ID, plus NIE once started\",\r\n        \"Last 2 to 3 years of tax returns\",\r\n        \"Last 2 to 3 years of company accounts or accountant-prepared figures\",\r\n        \"Home-country credit report\",\r\n        \"Accountant certificate or income confirmation where available\",\r\n        \"Last 6 to 12 months of personal and business bank statements\",\r\n        \"Proof of deposit and any retained earnings being used\"\r\n      ],\r\n      mixed:[\r\n        \"Passport or ID, plus NIE once started\",\r\n        \"Payslips for employed income, if relevant\",\r\n        \"Last 2 years of tax returns for additional income streams\",\r\n        \"Company documents or dividend evidence, if relevant\",\r\n        \"Home-country credit report\",\r\n        \"Last 6 to 12 months of personal bank statements\",\r\n        \"A clear breakdown of each income source\"\r\n      ],\r\n      retired:[\r\n        \"Passport or ID, plus NIE once started\",\r\n        \"Latest pension statements or award letters\",\r\n        \"Evidence of private pension, state pension or drawdown income\",\r\n        \"Home-country credit report\",\r\n        \"Latest 2 years' tax returns or income summaries, if available\",\r\n        \"Last 6 to 12 months of personal bank statements\",\r\n        \"Proof of savings, deposit and wider assets\"\r\n      ]\r\n    };\r\n\r\n    const incomeLabels = {\r\n      employed:\"Employed\",\r\n      self:\"Self-employed \/ Business owner\",\r\n      mixed:\"Mixed income\",\r\n      retired:\"Retired \/ Pension\"\r\n    };\r\n\r\n    const money = new Intl.NumberFormat(\"en-GB\", {style:\"currency\", currency:\"EUR\", maximumFractionDigits:0});\r\n\r\n    function q(selector){ return root.querySelector(selector); }\r\n    function qa(selector){ return Array.prototype.slice.call(root.querySelectorAll(selector)); }\r\n    function field(name){ return q('[data-field=\"' + name + '\"]'); }\r\n    function out(name){ return q('[data-output=\"' + name + '\"]'); }\r\n    function val(name){ const node = field(name); return node ? node.value : \"\"; }\r\n    function set(name,value){ const node = out(name); if(node) node.textContent = value; }\r\n    function setHTML(name,value){ const node = out(name); if(node) node.innerHTML = value; }\r\n\r\n    function isComplete(){\r\n      const country = val(\"country\");\r\n      const incomeType = val(\"incomeType\");\r\n      const region = val(\"region\");\r\n      const price = parseFloat(val(\"price\"));\r\n      return country && incomeType && region && isFinite(price) && price > 0;\r\n    }\r\n\r\n    function calcCosts(price, regionKey){\r\n      const region = regions[regionKey] || regions.default;\r\n      const tax = price * region.itp;\r\n      const notary = 900;\r\n      const registry = 450;\r\n      const gestoria = 350;\r\n      const valuation = 450;\r\n      const legal = Math.max(price * 0.01, 2000);\r\n      return {\r\n        region: region,\r\n        tax: tax,\r\n        label: \"Estimated ITP (\" + (region.itp * 100).toFixed(region.itp < 0.07 ? 1 : 0) + \"%)\",\r\n        total: tax + notary + registry + gestoria + valuation + legal\r\n      };\r\n    }\r\n\r\n    function buildMortgageText(country, resident, ltv, price, loan, deposit){\r\n      if(resident){\r\n        return \"As you pay tax in Spain, Spanish banks may assess you as a tax resident. Lending can often be considered up to around 80% loan-to-value, subject to income, debts, valuation and bank policy. On a purchase price of \" + money.format(price) + \", this gives an indicative mortgage of \" + money.format(loan) + \" and a deposit of \" + money.format(deposit) + \".\";\r\n      }\r\n\r\n      return \"As you pay tax in \" + country + \", Spanish banks will normally assess you as a non-resident buyer. Non-resident lending is typically up to around 70% loan-to-value, subject to nationality, income currency, affordability, valuation and lender policy. On a purchase price of \" + money.format(price) + \", this gives an indicative mortgage of \" + money.format(loan) + \" and a deposit of \" + money.format(deposit) + \".\";\r\n    }\r\n\r\n    function buildPositioning(country, resident, incomeType){\r\n      const profile = resident ? \"Spanish tax resident\" : \"non-resident\";\r\n      const income = incomeLabels[incomeType] || \"income\";\r\n\r\n      return \"We would turn this into a lender-ready \" + profile + \" case by checking your real income, debts, deposit, documents and bank options. The goal is to present your \" + income.toLowerCase() + \" profile clearly, compare suitable Spanish lenders and avoid wasting time with banks that are unlikely to fit your case.\";\r\n    }\r\n\r\n    function render(){\r\n      const hint = out(\"hint\");\r\n      const result = out(\"result\");\r\n\r\n      qa(\"[data-field]\").forEach(function(node){\r\n        node.classList.remove(\"vfmini-error\");\r\n      });\r\n\r\n      if(!isComplete()){\r\n        if(hint){\r\n          hint.classList.remove(\"is-ready\");\r\n          hint.textContent = \"Select all fields to see your personalised mortgage snapshot.\";\r\n        }\r\n        if(result) result.classList.remove(\"is-visible\");\r\n        return;\r\n      }\r\n\r\n      const country = val(\"country\");\r\n      const incomeType = val(\"incomeType\");\r\n      const regionKey = val(\"region\");\r\n      const price = parseFloat(val(\"price\"));\r\n\r\n      const resident = country === \"Spain\";\r\n      const ltv = resident ? 0.80 : 0.70;\r\n      const loan = price * ltv;\r\n      const deposit = price - loan;\r\n      const costs = calcCosts(price, regionKey);\r\n      const cashNeeded = deposit + costs.total;\r\n\r\n      if(hint) hint.classList.add(\"is-ready\");\r\n      if(result) result.classList.add(\"is-visible\");\r\n\r\n      set(\"profileType\", resident ? \"Spanish tax resident profile\" : \"Non-resident buyer profile\");\r\n      set(\"profileTitle\", \"Your Spanish mortgage snapshot\");\r\n      set(\"profileLine\", country + \" \u2022 \" + (incomeLabels[incomeType] || \"Income profile\") + \" \u2022 \" + costs.region.name);\r\n\r\n      set(\"mortgageAmount\", money.format(loan));\r\n      set(\"depositAmount\", money.format(deposit));\r\n      set(\"purchaseCosts\", money.format(costs.total));\r\n      set(\"cashNeeded\", money.format(cashNeeded));\r\n      set(\"ltvNote\", \"Typical \" + Math.round(ltv * 100) + \"% LTV estimate\");\r\n      set(\"taxNote\", \"Resale property estimate\");\r\n\r\n      set(\"mortgageText\", buildMortgageText(country, resident, ltv, price, loan, deposit));\r\n\r\n      const docsList = docs[incomeType] || [];\r\n      setHTML(\"docsList\", docsList.map(function(item){ return \"<li>\" + item + \"<\/li>\"; }).join(\"\"));\r\n\r\n      set(\"regionTitle\", \"Buying in \" + costs.region.name);\r\n      set(\"regionText\", costs.region.note);\r\n      set(\"taxLabel\", costs.label);\r\n      set(\"taxAmount\", money.format(costs.tax));\r\n\r\n      set(\"positioningText\", buildPositioning(country, resident, incomeType));\r\n    }\r\n\r\n    root.addEventListener(\"change\", function(event){\r\n      if(event.target && event.target.matches(\"[data-field]\")){\r\n        render();\r\n      }\r\n    });\r\n\r\n    root.addEventListener(\"input\", function(event){\r\n      if(event.target && event.target.matches(\"[data-field]\")){\r\n        render();\r\n      }\r\n    });\r\n\r\n    render();\r\n  }\r\n\r\n  function boot(){\r\n    document.querySelectorAll(\".vf-mini-mortgage-tool\").forEach(initMiniMortgageTool);\r\n  }\r\n\r\n  boot();\r\n\r\n  if(document.readyState === \"loading\"){\r\n    document.addEventListener(\"DOMContentLoaded\", boot);\r\n  }\r\n\r\n  window.addEventListener(\"load\", boot);\r\n})();\r\n<\/script>\r\n\r\n<!-- FORM -->\r\n  <section class=\"vfx-form-section\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-form-grid\">\r\n        <div class=\"vfx-form-side\">\r\n          <div class=\"vfx-eyebrow\">Free mortgage assessment<\/div>\r\n\r\n          <h2>Find out your Spanish mortgage options.<\/h2>\r\n\r\n          <p>\r\n            Complete the form and schedule a call. We\u2019ll review your situation and explain what may be possible based on your profile.\r\n          <\/p>\r\n\r\n          <div class=\"vfx-form-points\">\r\n            <div><span class=\"vfx-dot\"><\/span><span>No upfront fees for the initial assessment.<\/span><\/div>\r\n            <div><span class=\"vfx-dot\"><\/span><span>Clear advice in English.<\/span><\/div>\r\n            <div><span class=\"vfx-dot\"><\/span><span>Mortgage options from Spanish lenders.<\/span><\/div>\r\n            <div><span class=\"vfx-dot\"><\/span><span>Confidential, no-obligation enquiry.<\/span><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-form-card vfx-form-anchor\" id=\"vfx-form-card\">\r\n          <div class=\"vfx-form-title-mobile\">\r\n            <h2>Get your free mortgage assessment<\/h2>\r\n            <p>Complete the form and choose a time for your call.<\/p>\r\n          <\/div>\r\n\r\n          <div class=\"vfx-pre-form-list\">\r\n            <span class=\"vfx-chip\">Residency status<\/span>\r\n            <span class=\"vfx-chip\">Property price<\/span>\r\n            <span class=\"vfx-chip\">Borrow amount<\/span>\r\n            <span class=\"vfx-chip\">Location in Spain<\/span>\r\n          <\/div>\r\n\r\n          <script src=\"https:\/\/js-eu1.hsforms.net\/forms\/embed\/146812409.js\" defer><\/script>\r\n          <div class=\"hs-form-frame\" data-region=\"eu1\" data-form-id=\"aff46f1e-af09-458e-a17d-bc14c0d01038\" data-portal-id=\"146812409\"><\/div>\r\n\r\n          <div class=\"vfx-form-note\">\r\n            <span>Privacy:<\/span>\r\n            <span>Your information is confidential. We\u2019ll use it only to schedule your call and discuss your mortgage enquiry.<\/span>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- VIDEO -->\r\n  <section class=\"vfx-section\" id=\"vfx-video\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-video-grid\">\r\n        <div class=\"vfx-video-copy\">\r\n          <div class=\"vfx-eyebrow\">Non-resident mortgage essentials<\/div>\r\n\r\n          <h2>What can a non-resident get \u2014 and what documents are needed?<\/h2>\r\n\r\n          <p>\r\n            This short video explains the key points for non-resident buyers in Spain: how much finance may be available, typical mortgage terms and the basic documents banks usually request.\r\n          <\/p>\r\n\r\n          <div class=\"vfx-video-list\">\r\n            <div><span class=\"vfx-dot\"><\/span><span>Non-residents usually obtain around 60% finance, with up to 70% possible for strong profiles.<\/span><\/div>\r\n            <div><span class=\"vfx-dot\"><\/span><span>Mortgage terms are commonly around 20 years, although some lenders may go up to 25 years.<\/span><\/div>\r\n            <div><span class=\"vfx-dot\"><\/span><span>Documentation depends on your income type, nationality, country of residence and the currency you earn in.<\/span><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div>\r\n          <div class=\"vfx-video-card\">\r\n            <div class=\"vfx-video-frame\">\r\n              <video class=\"vfx-video\" preload=\"metadata\" playsinline controls>\r\n                <source src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/05\/Know-your-badget.mp4\">\r\n                Your browser does not support the video tag.\r\n              <\/video>\r\n\r\n              <button class=\"vfx-play-button\" type=\"button\" aria-label=\"Play video\">\r\n                <span><\/span>\r\n              <\/button>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"vfx-video-note\">\r\n            <strong>Quick, specific and practical.<\/strong> Learn what Spanish banks may offer to non-resident buyers and what documents to prepare before applying.\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- BENEFITS -->\r\n  <section class=\"vfx-section vfx-soft-section\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-center-head\">\r\n        <div class=\"vfx-eyebrow\">What you get<\/div>\r\n        <h2 class=\"vfx-h2\">A calmer, clearer way to secure your Spanish mortgage.<\/h2>\r\n        <p class=\"vfx-lead\">Designed for international buyers who want clarity before making important decisions.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"vfx-benefits-grid\">\r\n        <div class=\"vfx-benefit\">\r\n          <small>01<\/small>\r\n          <h3>Know your real budget<\/h3>\r\n          <p>Understand what may be possible before making an offer on a property.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-benefit\">\r\n          <small>02<\/small>\r\n          <h3>Compare lenders properly<\/h3>\r\n          <p>Look beyond the headline rate and understand the conditions, costs and practical differences.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-benefit\">\r\n          <small>03<\/small>\r\n          <h3>Move with support<\/h3>\r\n          <p>Get help with bank communication, documentation, valuation follow-up and completion.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- PROCESS -->\r\n  <section class=\"vfx-section\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-center-head\">\r\n        <div class=\"vfx-eyebrow\">How it works<\/div>\r\n        <h2 class=\"vfx-h2\">From first conversation to mortgage completion.<\/h2>\r\n      <\/div>\r\n\r\n      <div class=\"vfx-process-grid\">\r\n        <div class=\"vfx-step\">\r\n          <div class=\"vfx-step-num\">Step 01<\/div>\r\n          <h3>Free assessment<\/h3>\r\n          <p>Share your plans, residency status, income and expected property price.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-step\">\r\n          <div class=\"vfx-step-num\">Step 02<\/div>\r\n          <h3>Profile review<\/h3>\r\n          <p>We review your situation and identify suitable Spanish lenders.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-step\">\r\n          <div class=\"vfx-step-num\">Step 03<\/div>\r\n          <h3>Clear options<\/h3>\r\n          <p>You receive mortgage options explained in English.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-step\">\r\n          <div class=\"vfx-step-num\">Step 04<\/div>\r\n          <h3>Completion support<\/h3>\r\n          <p>We help coordinate the process through to the final signing.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div style=\"text-align:center;margin-top:32px;\">\r\n        <a class=\"vfx-btn vfx-btn-primary vfx-to-form\" href=\"#vfx-form-card\">Start My Free Assessment<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- LENDERS -->\r\n  <section class=\"vfx-section vfx-soft-section\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-lenders-card\">\r\n        <div class=\"vfx-center-head\" style=\"margin-bottom:0;\">\r\n          <div class=\"vfx-eyebrow\">Lender access<\/div>\r\n          <h2 class=\"vfx-h2\">Access to Spain\u2019s leading mortgage lenders.<\/h2>\r\n          <p class=\"vfx-lead\">We work with a wide panel of trusted Spanish and international banks.<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vfx-marquee\" aria-label=\"Spanish mortgage lender logos\">\r\n          <div class=\"vfx-track\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Santander\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/logo-santander.webp\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Unicaja\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/logo-unicaja1.webp\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Bankinter\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/001-bankinter.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Sabadell\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/004-sabadell.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Deutsche Bank\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/010-deutsche-bank-3.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Abanca\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/007-abanca-2.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Eurocaja\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/017-eurocaja-rural-c.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"HolaBank\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/024-holabank.png\">\r\n\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Santander\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/logo-santander.webp\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Unicaja\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/logo-unicaja1.webp\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Bankinter\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/001-bankinter.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Sabadell\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/004-sabadell.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Deutsche Bank\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/010-deutsche-bank-3.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Abanca\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/007-abanca-2.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"Eurocaja\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/017-eurocaja-rural-c.png\">\r\n            <img decoding=\"async\" class=\"vfx-logo-bank\" alt=\"HolaBank\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/024-holabank.png\">\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- FINAL CTA -->\r\n  <section class=\"vfx-section\">\r\n    <div class=\"vfx-container\">\r\n      <div class=\"vfx-final\">\r\n        <h2>Ready to understand your mortgage options in Spain?<\/h2>\r\n        <p>Complete the form and choose a convenient time for your call. We\u2019ll help you understand what may be possible before you move forward.<\/p>\r\n        <a class=\"vfx-btn vfx-btn-primary vfx-to-form\" href=\"#vfx-form-card\">Get My Free Mortgage Assessment<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <!-- STICKY CTA -->\r\n  <div class=\"vfx-sticky\" id=\"vfx-sticky\">\r\n    <button class=\"vfx-sticky-close\" type=\"button\" aria-label=\"Close\" id=\"vfx-sticky-close\">\u00d7<\/button>\r\n\r\n    <div class=\"vfx-sticky-text\">\r\n      <strong>Free mortgage assessment<\/strong>\r\n      No upfront fees. Clear advice in English.\r\n    <\/div>\r\n\r\n    <a class=\"vfx-btn vfx-btn-primary vfx-to-form\" href=\"#vfx-form-card\">Schedule a Call<\/a>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    window.dataLayer = window.dataLayer || [];\r\n\r\n    var VFX_FORM_ID = \"aff46f1e-af09-458e-a17d-bc14c0d01038\";\r\n    var VFX_PORTAL_ID = \"146812409\";\r\n    var vfxFormConversionSent = false;\r\n\r\n    function pushVfxFormConversion(source, extraData) {\r\n      if (vfxFormConversionSent) return;\r\n      vfxFormConversionSent = true;\r\n\r\n      var payload = {\r\n        event: \"vfx_form_submitted\",\r\n        form_id: VFX_FORM_ID,\r\n        portal_id: VFX_PORTAL_ID,\r\n        conversion_source: source || \"unknown\",\r\n        page_location: window.location.href,\r\n        page_path: window.location.pathname\r\n      };\r\n\r\n      if (extraData && typeof extraData === \"object\") {\r\n        Object.keys(extraData).forEach(function (key) {\r\n          payload[key] = extraData[key];\r\n        });\r\n      }\r\n\r\n      window.dataLayer.push(payload);\r\n    }\r\n\r\n    function scrollToTarget(selector) {\r\n      var target = document.querySelector(selector);\r\n      if (!target) return;\r\n\r\n      var rect = target.getBoundingClientRect();\r\n      var scrollTop = window.pageYOffset || document.documentElement.scrollTop;\r\n      var offset = window.innerWidth <= 680 ? 10 : 16;\r\n      var finalPosition = rect.top + scrollTop - offset;\r\n\r\n      window.scrollTo({\r\n        top: finalPosition,\r\n        behavior: \"smooth\"\r\n      });\r\n    }\r\n\r\n    document.querySelectorAll(\".vfx-to-form\").forEach(function (link) {\r\n      link.addEventListener(\"click\", function (event) {\r\n        event.preventDefault();\r\n        scrollToTarget(\"#vfx-form-card\");\r\n\r\n        window.dataLayer.push({\r\n          event: \"vfx_cta_click\",\r\n          cta_text: (link.textContent || \"\").trim(),\r\n          destination: \"vfx_form_card\",\r\n          page_location: window.location.href\r\n        });\r\n      });\r\n    });\r\n\r\n    document.querySelectorAll(\".vfx-to-tool\").forEach(function (link) {\r\n      link.addEventListener(\"click\", function (event) {\r\n        event.preventDefault();\r\n        scrollToTarget(\"#vfx-mortgage-plan\");\r\n\r\n        window.dataLayer.push({\r\n          event: \"vfx_cta_click\",\r\n          cta_text: (link.textContent || \"\").trim(),\r\n          destination: \"vfx_mortgage_plan\",\r\n          page_location: window.location.href\r\n        });\r\n      });\r\n    });\r\n\r\n    document.querySelectorAll(\".vfx-to-video\").forEach(function (link) {\r\n      link.addEventListener(\"click\", function (event) {\r\n        event.preventDefault();\r\n        scrollToTarget(\"#vfx-video\");\r\n      });\r\n    });\r\n\r\n    document.querySelectorAll(\".vfx-video-card\").forEach(function (card) {\r\n      var video = card.querySelector(\".vfx-video\");\r\n      var button = card.querySelector(\".vfx-play-button\");\r\n\r\n      if (!video || !button) return;\r\n\r\n      button.addEventListener(\"click\", function () {\r\n        video.play();\r\n      });\r\n\r\n      video.addEventListener(\"play\", function () {\r\n        card.classList.add(\"is-playing\");\r\n      });\r\n\r\n      video.addEventListener(\"pause\", function () {\r\n        card.classList.remove(\"is-playing\");\r\n      });\r\n\r\n      video.addEventListener(\"ended\", function () {\r\n        card.classList.remove(\"is-playing\");\r\n      });\r\n    });\r\n\r\n    var closeButton = document.getElementById(\"vfx-sticky-close\");\r\n    var sticky = document.getElementById(\"vfx-sticky\");\r\n    var formCard = document.getElementById(\"vfx-form-card\");\r\n    var stickyClosed = false;\r\n\r\n    if (closeButton && sticky) {\r\n      closeButton.addEventListener(\"click\", function () {\r\n        stickyClosed = true;\r\n        sticky.style.display = \"none\";\r\n      });\r\n    }\r\n\r\n    if (\"IntersectionObserver\" in window && sticky && formCard) {\r\n      var observer = new IntersectionObserver(function (entries) {\r\n        entries.forEach(function (entry) {\r\n          if (stickyClosed) return;\r\n\r\n          if (entry.isIntersecting) {\r\n            sticky.classList.add(\"is-hidden\");\r\n          } else {\r\n            sticky.classList.remove(\"is-hidden\");\r\n          }\r\n        });\r\n      }, {\r\n        threshold: 0.15\r\n      });\r\n\r\n      observer.observe(formCard);\r\n    }\r\n\r\n    window.addEventListener(\"hs-form-event:on-submission:success\", function (event) {\r\n      try {\r\n        var extra = {\r\n          hubspot_event: \"hs-form-event:on-submission:success\",\r\n          hubspot_form_id: event.detail && event.detail.formId ? event.detail.formId : VFX_FORM_ID,\r\n          hubspot_instance_id: event.detail && event.detail.instanceId ? event.detail.instanceId : \"\"\r\n        };\r\n\r\n        if (window.HubSpotFormsV4 && typeof window.HubSpotFormsV4.getFormFromEvent === \"function\") {\r\n          var form = window.HubSpotFormsV4.getFormFromEvent(event);\r\n\r\n          if (form) {\r\n            if (typeof form.getFormId === \"function\") {\r\n              extra.hubspot_form_id = form.getFormId();\r\n            }\r\n\r\n            if (typeof form.getInstanceId === \"function\") {\r\n              extra.hubspot_instance_id = form.getInstanceId();\r\n            }\r\n\r\n            if (typeof form.getConversionId === \"function\") {\r\n              extra.hubspot_conversion_id = form.getConversionId();\r\n            }\r\n\r\n            if (typeof form.getRedirectUrl === \"function\") {\r\n              extra.hubspot_redirect_url = form.getRedirectUrl();\r\n            }\r\n          }\r\n        }\r\n\r\n        if (extra.hubspot_form_id && extra.hubspot_form_id !== VFX_FORM_ID) return;\r\n\r\n        pushVfxFormConversion(\"hubspot_v4_success\", extra);\r\n      } catch (error) {\r\n        pushVfxFormConversion(\"hubspot_v4_success_fallback\");\r\n      }\r\n    });\r\n\r\n    window.addEventListener(\"message\", function (event) {\r\n      try {\r\n        var data = event.data;\r\n        if (!data) return;\r\n\r\n        var isHubSpot = typeof data === \"object\" && (\r\n          data.type === \"hsFormCallback\" ||\r\n          data.eventName === \"hsFormCallback\"\r\n        );\r\n\r\n        var isSubmitted = false;\r\n\r\n        if (isHubSpot) {\r\n          if (data.eventName === \"hsFormCallback\" && data.data && data.data.eventName === \"onFormSubmitted\") {\r\n            isSubmitted = true;\r\n          }\r\n\r\n          if (data.type === \"hsFormCallback\" && data.eventName === \"onFormSubmitted\") {\r\n            isSubmitted = true;\r\n          }\r\n        }\r\n\r\n        if (isSubmitted) {\r\n          pushVfxFormConversion(\"hubspot_legacy_callback\", {\r\n            hubspot_event: \"hsFormCallback_onFormSubmitted\"\r\n          });\r\n        }\r\n      } catch (error) {}\r\n    }, false);\r\n  })();\r\n  <\/script>\r\n<\/div>\r\n<!-- \/VIVA FINANCE PREMIUM MOBILE-FIRST LANDING \u2014 WITH MINI MORTGAGE TOOL AFTER HERO -->\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4071df0 e-flex e-con-boxed e-con e-parent\" data-id=\"4071df0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cba7d1 e-con-full e-flex e-con e-child\" data-id=\"3cba7d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e358cc5 e-fit_to_content e-n-menu-mobile e-n-menu-layout-horizontal elementor-widget elementor-widget-n-menu\" data-id=\"e358cc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;menu_items&quot;:[{&quot;item_title&quot;:&quot;Terms and Conditions&quot;,&quot;_id&quot;:&quot;f6910a2&quot;,&quot;item_link&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.vivafinance.es\\\/terms\\\/&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;},&quot;item_dropdown_content&quot;:&quot;no&quot;,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;item_icon_active&quot;:null,&quot;element_id&quot;:&quot;&quot;},{&quot;item_title&quot;:&quot;Privacy&quot;,&quot;_id&quot;:&quot;c25a8e6&quot;,&quot;item_link&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.vivafinance.es\\\/privacy\\\/&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;},&quot;item_dropdown_content&quot;:&quot;no&quot;,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;item_icon_active&quot;:null,&quot;element_id&quot;:&quot;&quot;},{&quot;item_title&quot;:&quot;Cookie Policy&quot;,&quot;_id&quot;:&quot;b6b1f30&quot;,&quot;item_link&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.vivafinance.es\\\/cookie\\\/&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;},&quot;item_dropdown_content&quot;:&quot;no&quot;,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;item_icon_active&quot;:null,&quot;element_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;61637e0&quot;,&quot;item_title&quot;:&quot;Our Fees&quot;,&quot;item_link&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.vivafinance.es\\\/our-fees\\\/&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;},&quot;item_dropdown_content&quot;:&quot;no&quot;,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;item_icon_active&quot;:null,&quot;element_id&quot;:&quot;&quot;}],&quot;content_width&quot;:&quot;fit_to_content&quot;,&quot;item_position_horizontal&quot;:&quot;center&quot;,&quot;breakpoint_selector&quot;:&quot;mobile&quot;,&quot;item_layout&quot;:&quot;horizontal&quot;,&quot;open_on&quot;:&quot;hover&quot;,&quot;horizontal_scroll&quot;:&quot;disable&quot;,&quot;menu_item_title_distance_from_content&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;menu_item_title_distance_from_content_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_item_title_distance_from_content_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_item_title_distance_from_content_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_item_title_distance_from_content_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_item_title_distance_from_content_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"mega-menu.default\">\n\t\t\t\t\t\t\t<nav class=\"e-n-menu\" data-widget-number=\"238\" aria-label=\"Men\u00fa\">\n\t\t\t\t\t<button class=\"e-n-menu-toggle\" id=\"menu-toggle-238\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-controls=\"menubar-238\" aria-label=\"Menu Toggle\">\n\t\t\t<span class=\"e-n-menu-toggle-icon e-open\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"e-n-menu-toggle-icon e-close\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<div class=\"e-n-menu-wrapper\" id=\"menubar-238\" aria-labelledby=\"menu-toggle-238\">\n\t\t\t\t<ul class=\"e-n-menu-heading\">\n\t\t\t\t\t\t\t\t<li class=\"e-n-menu-item\">\n\t\t\t\t<div id=\"e-n-menu-title-2381\" class=\"e-n-menu-title\">\n\t\t\t\t\t<a class=\"e-n-menu-title-container e-focus e-link\" href=\"https:\/\/www.vivafinance.es\/terms\/\">\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-n-menu-title-text\">\n\t\t\t\t\t\t\tTerms and Conditions\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<li class=\"e-n-menu-item\">\n\t\t\t\t<div id=\"e-n-menu-title-2382\" class=\"e-n-menu-title\">\n\t\t\t\t\t<a class=\"e-n-menu-title-container e-focus e-link\" href=\"https:\/\/www.vivafinance.es\/privacy\/\">\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-n-menu-title-text\">\n\t\t\t\t\t\t\tPrivacy\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<li class=\"e-n-menu-item\">\n\t\t\t\t<div id=\"e-n-menu-title-2383\" class=\"e-n-menu-title\">\n\t\t\t\t\t<a class=\"e-n-menu-title-container e-focus e-link\" href=\"https:\/\/www.vivafinance.es\/cookie\/\">\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-n-menu-title-text\">\n\t\t\t\t\t\t\tCookie Policy\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<li class=\"e-n-menu-item\">\n\t\t\t\t<div id=\"e-n-menu-title-2384\" class=\"e-n-menu-title\">\n\t\t\t\t\t<a class=\"e-n-menu-title-container e-focus e-link\" href=\"https:\/\/www.vivafinance.es\/our-fees\/\">\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-n-menu-title-text\">\n\t\t\t\t\t\t\tOur Fees\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2a923e e-flex e-con-boxed e-con e-parent\" data-id=\"a2a923e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f6817a e-con-full e-flex e-con e-child\" data-id=\"7f6817a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f9dd831 e-con-full e-flex e-con e-child\" data-id=\"f9dd831\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13a59d2 elementor-widget elementor-widget-image\" data-id=\"13a59d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000-300x158.jpg\" class=\"attachment-medium size-medium wp-image-3607\" alt=\"Logo banco de espa\u00f1a\" srcset=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000-300x158.jpg 300w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000-1024x538.jpg 1024w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000-768x403.jpg 768w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/09\/BdE-banco-de-espana-000.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40c13b5 e-con-full e-flex e-con e-child\" data-id=\"40c13b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96aa0a8 elementor-widget elementor-widget-html\" data-id=\"96aa0a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"vf-footer-reg\">\r\n  <div class=\"vf-footer-reg-card\">\r\n\r\n    <div class=\"vf-reg-label\">\r\n      Regulated Mortgage Intermediary\r\n    <\/div>\r\n\r\n    <div class=\"vf-reg-authority\">\r\n      Registered with the Bank of Spain\r\n    <\/div>\r\n\r\n    <div class=\"vf-reg-number\">\r\n      N\u00ba E551\r\n    <\/div>\r\n\r\n    <div class=\"vf-reg-legal\">\r\n      Viva Finance is a trading name of <strong>Marco Antonio Serrano Viriot<\/strong>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n\r\n.vf-footer-reg{\r\n  display:flex;\r\n  justify-content:center;\r\n  margin-top:22px;\r\n}\r\n\r\n\/* CARD *\/\r\n\r\n.vf-footer-reg-card{\r\n  max-width:460px;\r\n  padding:22px 26px;\r\n  border-radius:16px;\r\n\r\n  border:1px solid rgba(255,255,255,.35);\r\n  background:rgba(255,255,255,.05);\r\n  backdrop-filter:blur(6px);\r\n\r\n  text-align:center;\r\n\r\n  font-family:'ABC', 'Inter', 'Helvetica Neue', Arial, sans-serif;\r\n\r\n  transform:translateY(-3px);\r\n  box-shadow:0 14px 36px rgba(0,0,0,.28);\r\n}\r\n\r\n\/* label *\/\r\n\r\n.vf-reg-label{\r\n  font-size:12px;\r\n  letter-spacing:.18em;\r\n  text-transform:uppercase;\r\n  font-weight:600;\r\n  opacity:.7;\r\n  margin-bottom:4px;\r\n}\r\n\r\n\/* authority *\/\r\n\r\n.vf-reg-authority{\r\n  font-size:16px;\r\n  font-weight:600;\r\n  margin-bottom:10px;\r\n}\r\n\r\n\/* registration number *\/\r\n\r\n.vf-reg-number{\r\n  display:inline-block;\r\n  padding:7px 14px;\r\n  border-radius:10px;\r\n  background:#0f4392;\r\n  color:#fff;\r\n  font-weight:700;\r\n  font-size:15px;\r\n  margin-bottom:12px;\r\n  letter-spacing:.03em;\r\n}\r\n\r\n\/* legal *\/\r\n\r\n.vf-reg-legal{\r\n  font-size:13px;\r\n  opacity:.75;\r\n  line-height:1.5;\r\n}\r\n\r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d2b475 e-con-full e-flex e-con e-child\" data-id=\"7d2b475\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-956c217 elementor-widget elementor-widget-image\" data-id=\"956c217\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"397\" src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-1536x397.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-6061\" alt=\"\" srcset=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-1536x397.jpg 1536w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-300x78.jpg 300w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-1024x265.jpg 1024w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-768x199.jpg 768w, https:\/\/www.vivafinance.es\/wp-content\/uploads\/2026\/01\/Logotipo_del_Ministerio_de_Economia_Comercio_y_Empresa_page-0001-2048x530.jpg 2048w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a339389 e-flex e-con-boxed e-con e-parent\" data-id=\"a339389\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a28d72d e-con-full e-flex e-con e-child\" data-id=\"a28d72d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae7430 elementor-widget elementor-widget-heading\" data-id=\"4ae7430\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u00a92026 Vivafinance All Rights Reserved.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Spanish mortgages for international buyers Bank of Spain Registration N\u00ba E551 Personal mortgage guidance in Spain Spanish mortgages made clear for International buyers. Work directly with an English-speaking mortgage broker to understand your borrowing power, compare Spanish lenders and move towards completion with confidence. No upfront fees. You only pay if you decide to proceed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"content-type":"","footnotes":""},"class_list":["post-3937","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/3937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/comments?post=3937"}],"version-history":[{"count":224,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/3937\/revisions"}],"predecessor-version":[{"id":7117,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/3937\/revisions\/7117"}],"wp:attachment":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/media?parent=3937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}