Mortgage in Spain

Mortgage Broker

 We are 

Mortgage Broker in Spain

The leading financing experts 

ABOUT US

 

In Mortgage in Spain.es, our mission is to help people to buy a home in Spain through responsible mortgages tailored to their needs.

We have satisfactory agreements with the best banks in Spain and we can offer you a mortgage advice service with 0% broker fee


We study your case, discuss with some banks and offer you the best conditions according to your particular needs and the overall assessment of your mortgage file. We can get a mortgage with a fixed, variable or mixed interest rate with the best conditions on the Spanish mortgage market.


The mortgage application has no impact on your credit report until you sign the accepted mortgage offer at the notary.


Our more than 15 years of experience in the Spanish banking market are a guarantee of success.. We will easily guide you through the complex process of mortgage financing in Spain explaining you how much you can borrow from a Spanish Bank, how much this is going to cost you, the cash deposit you needed and exactly what documents you will need to submit. With us, getting a mortgage in Spain is easy.


You'll get the best service from a multilingual mortgage advisors team fully certified according to the Spanish Mortgage Law (LCCI 5/2019). We browse and analyse all related costs to your Mortgage in Spain in order to offer you a  a concise and professional advice: bank arrangement fees, early repayment commissions, taxes, valuations and more.

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  • What services does Mortgage in Spain - Mortgage Broker offer?

    Mortgage in Spain - Mortgage Broker provides a comprehensive range of services to help you secure the best mortgage for your needs. We work with top banks in Spain to find tailored mortgage solutions, assist with all necessary paperwork, and guide you through the entire process from start to finish. If you haven't chosen a property yet, we can connect you with the best real estate agents. We also offer connections to specialized real estate lawyers, currency exchange services, and can assist you in setting up utilities like electricity, water, and alarm systems if needed, ensuring a seamless and stress-free experience.

  • How long does it take to secure my mortgage?


    The time it takes to secure your mortgage can vary depending on your specific circumstances and the complexity of the case. Typically, the entire process—from submitting your documentation to signing the deeds at the notary—takes around 6 to 8 weeks. We work diligently to expedite the process and keep you informed every step of the way, ensuring everything moves as smoothly and quickly as possible.

  • Can I obtain a pre-approval?

     Yes, you can obtain a pre-approval for your mortgage. Thanks to our extensive experience in the sector and our understanding of bank requirements, we can help you secure a pre-approval during your initial consultation with one of our advisors. This pre-approval will be based on your income and current financial commitments, allowing you to move forward confidently. The final mortgage offer will only be pending the selection of your property and its subsequent valuation for mortgage purposes to finalize the binding mortgage offer.

  • Are there any broker fees I need to pay for your services?

    No, there are no  broker fees for our services. At Mortgage in Spain - Mortgage Broker, our fees are covered by the banks we work with upon the successful completion of your mortgage. This means you can benefit from our expertise and services without any hidden costs or charges to you.

The best way to get your Mortgage in Spain

Save time and money

We handle the entire mortgage process for you, eliminating the need to visit multiple banks to secure the best deal. We partner with some of the best banks in Spain, specializing in mortgages for non-residents, to find the best offer tailored to your specific circumstances.

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Professional support

Mortgage in Spain is run by certified banking professionals with experience from Spanish Banks. We specialise on non resident mortgages.




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0% Broker Fee

You will not pay anything for our services. Our more than 15 years of experience make our banking agreements successful.





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Supporting you with multilingual advisors


As a mortgage broker operating in Spain, we understand that purchasing a property in a foreign country can be a daunting and complex process. Spain is a popular destination for non-residents seeking to invest in property, whether it's for personal use or as a rental income investment. As such, we are dedicated to providing non-residents with all the necessary information to help make informed decisions about their mortgage options in Spain.


Firstly, it's important to understand that non-residents can obtain mortgages in Spain, just like residents can. However, the process and requirements may differ slightly. The amount of mortgage available to non-residents is usually lower than that available to residents, and the interest rates may also be higher. This is because lenders perceive non-residents as higher risk borrowers, as they do not have a permanent presence in Spain.


The mortgage application process for non-residents is straight forward. However, there are certain requirements that must be met. Non-residents will need to provide proof of income, such as payslips or bank statements, and may need to provide additional documentation such as a tax identification number. Lenders will also require proof of employment and the source of income.


When it comes to the types of mortgages available to non-residents in Spain, there are several options. Fixed-rate mortgages are popular, as they provide certainty and stability in monthly payments. Variable-rate mortgages are also available, but they can be more volatile as they are linked to the Euribor rate.


Finally, it's important to work with a mortgage broker who is familiar with the Spanish mortgage market and can guide you through the process. At our brokerage, we have experienced professionals who can provide personalized advice and help you find the best mortgage for your needs.


In summary, non-residents can obtain mortgages in Spain, but the process and requirements may differ slightly from those for residents. It's important to work with a broker who can guide you through the process and help you find the best mortgage for your needs.

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 Getting a Mortgage in Spain
Mortgage in Spain. General information
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Mortgage in Spain

Enjoy your new home in Spain

Travel directly to your new home with a simple and very comfortable mortgage in Spain  

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