Third bank, same answer
We asked three banks about a mortgage as non residents and got the same answer twice, plus one slightly better version of it. Seventy per cent was the ceiling everywhere and the difference sat in the fees.
A broker wanted a percentage for arranging what the third bank had already offered us directly, so we said no and went back to the numbers on our own.
While the paperwork moves I follow what actually sells in the two towns we shortlisted. https://alegria-realestate.com/ keeps the dates visible, which is the only way to tell a fresh listing from one that has been up since March.
Deposit is ready, the flat is not chosen yet.
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