- Fixed, variable or mixed
- Switching and renegotiation
- Second homes
Financial adviser · Lanzarote
Your banking,with judgementand made to fit.
Agustín Ruiz Saiz has spent over 15 years running branches and advising families and businesses. Tell him what you want to achieve and arrive at the meeting with a plan, not with doubts.
I want to…
Your route
Buy a homeIllustration of the process. Not an offer or a return.
Advisory areas
Three areas. One standard.
Everything you can work on with Agustín, organised the way a branch works: by what you need to solve.
Tell me what you want to achieve
What I can do for you
Pick your situation and I will show only what matters.
- Affordability review
- Debt consolidation
- No small print surprises
- Payroll or self-employed account
- Cards and travel cover
- Multi-currency use
- Deposits and funds
- Pension plans and PIAS
- Risk profile
- Term life
- Home
- Health and funeral
- Portfolio review
- Diversification
- Regular follow-up
- Inheritance and gifts
- Family protocol
- Coordination with your tax adviser
- Net yield
- Asset financing
- Purchase structure
- Credit lines and loans
- Leasing and renting
- Guarantees
- Invoice advances
- Supplier payments
- With or without recourse
- Physical and virtual POS
- QR payments
- Multi-currency collection
- Letters of credit
- Currency hedging
- International guarantees
Find your path in 3 questions
No personal data. You get a summary at the end and can book with everything already filled in.
0/3
You can answer with keys 1–4
Your profile
- 1Who are you? · Pending
- 2What do you want to achieve? · Pending
- 3When? · Pending
1 / 3
Who are you?
French method · fixed rate
Simulate your mortgage
Indicative calculation using the French method. The real rate depends on the lender and your profile.
20 % · purchase costs are separate
Loan amount€240,000
Financing over price80 %
Within the usual reference used by lenders. Common reference: up to 80%.
Monthly payment
€1,138
300 payments · 3.00 %
Total interest
€101,432
Total to repay
€341,432
Year 25 / 25
Principal repaid
€240,000
Interest paid
€101,432
Outstanding
€0
Year 1Year 25
Compare terms
Same amount and rate, different term
I want to review my case with Agustín
Informative simulation with no contractual value or binding offer. It excludes fees, taxes and related insurance.
How we work
Four clear steps. You always know where you are and what comes next.
- 1
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
- 2
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
- 3
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
- 4
Support
I support you through the process and review progress with you when your circumstances change.
Agustín Ruiz Saiz
Banking adviser · Financial agent
- C.C. Las Cucharas, Local S-N, 35509 Costa Teguise, Lanzarote
- 30-min meetings · In person in Costa Teguise · By phone · Video call
Who you will be speaking with
Agustín Ruiz Saiz is a branch manager and financial agent with more than fifteen years in banking, serving families, self-employed professionals and companies in Lanzarote. This site exists so you arrive at the meeting knowing what to ask.
- 15+
- years in banking
- 250 M€
- of assets supported
- 400+
- reviews completed
- 30 min
- for the first meeting
Shall we talk?
Thirty minutes to organise your ideas. No commitment.