Mortgage in Spain
Mortgage Broker
Mortgage Broker in Spain for Non-Residents
Experts in financing property purchases for international buyers
How We Help Non-Residents Secure a Mortgage in Spain
At Mortgage in Spain® Mortgage Broker, we help non-residents obtain mortgages in Spain by working directly with Spanish banks and their risk departments.
Our mission is to make the process of buying property in Spain simple, secure and fully structured for international clients.
Specialists in Non-Resident Mortgages in Spain
We are specialists in mortgages for non-residents, with over 18 years of experience in the financial sector.
We understand how Spanish banks assess international income and know exactly how to structure each mortgage application to achieve a successful outcome.
This is why we achieve a 99% mortgage approval rate.
However, this high approval rate is not just the result of experience and strong relationships with banks. It is also due to our proactive approach: we carefully analyse each case in advance to determine whether the mortgage is viable before the client makes any financial commitment.
This allows us to identify potential risks early and ensure that our clients do not proceed with property reservations or deposit agreements (arras) unless we are confident that the mortgage will be approved.
By doing so, we protect our clients from committing funds to a purchase that may not ultimately be financed, providing security, clarity and confidence from the very beginning of the process.
International Clients from Over 20 Countries
We work with clients from across Europe and beyond, including:
🇬🇧 UK · 🇮🇪 Ireland · 🇫🇷 France · 🇧🇪 Belgium · 🇳🇱 Netherlands · 🇨🇭 Switzerland · 🇩🇪 Germany · 🇵🇱 Poland · 🇺🇸 USA · 🇨🇦 Canada · 🇲🇽 Mexico · 🇸🇦 Saudi Arabia · 🇦🇪 Dubai · 🇷🇴 Romania · 🇸🇪 Sweden · 🇳🇴 Norway · 🇩🇰 Denmark · 🇮🇹 Italy · 🇨🇿 Czech Republic · 🇱🇹 Lithuania · 🇪🇪 Estonia · 🇫🇮 Finland · 🇮🇱 Israel
We have in-depth knowledge of the financial and tax structures of clients living and working in these countries, which allows us to prepare strong and well-structured mortgage applications aligned with Spanish banks’ requirements.
We understand exactly what documentation is required in each country and how it should be presented, ensuring that lenders can clearly assess your financial profile without delays or misunderstandings.
This expertise allows us to streamline the process, reduce unnecessary back-and-forth with banks and significantly increase the chances of approval from the very beginning.
How We Help You Secure the Best Mortgage
At Mortgage in Spain® Mortgage Broker, we carry out a professional pre-analysis of your financial profile using the same criteria as Spanish banks, ensuring your mortgage is correctly structured from the beginning.
We work directly with banks and their risk departments to match your profile with the right lender and secure the best conditions.
We assess your mortgage viability before you sign any reservation contract or pay any deposit, protecting you from unnecessary financial risk.
Thanks to our experience with international clients, we know exactly how to present foreign income and documentation, avoiding delays and ensuring a smooth process.
From the start, you will clearly understand how much you can borrow, the required deposit, all costs involved and how to complete the process 100% remotely — without affecting your credit profile until the official offer is issued.
Additionally, we provide a 360º service through our trusted partners, connecting you with independent lawyers, real estate agencies, currency exchange specialists, NIE providers and utility setup services, ensuring a safe and seamless property purchase in Spain.
No Cost for the Client
Our service comes with 0% broker fees, as we are paid directly by the bank that grants your mortgage. This means that you benefit from expert guidance, full support and access to the best mortgage offers available in Spain without paying anything for our service.
Unlike applying directly with a bank, where options are limited and conditions may not be fully optimised, we analyse your profile, compare different lenders and negotiate on your behalf to secure the best mortgage tailored to your personal situation.
Because our fees are covered by the bank, you receive independent advice focused entirely on your best interest. Our goal is to achieve the best possible mortgage approval with the most favourable conditions, while helping you avoid costly mistakes that can arise when navigating the Spanish mortgage system alone.
We also believe in complete transparency throughout the entire process. There are no upfront fees, no hidden costs and no obligation. You will always have full clarity before making any decision.
Our success depends on your success. We only move forward with your application when we are confident that your mortgage can be approved, which is one of the key reasons behind our 99% mortgage approval rate.
With Mortgage in Spain® Mortgage Broker, you receive expert support, access to the best mortgage solutions and a fully managed process from start to finish — all at no cost to you.
Which Banks Do You Work With in Spain?
At Mortgage in Spain® Mortgage Broker, we work with leading Spanish banks that specialise in non-resident mortgages.
However, there is no single “best bank” for every client. In Spain, each bank has its own preferred client profile, and these preferences change depending on market conditions.
A young entrepreneur buying in Mallorca, a family relocating to Marbella, investors purchasing in Barcelona or clients planning retirement in Alicante — each profile fits a different bank.
In addition, banks assess factors such as country and currency of income, employment type, financial commitments and the purpose of the purchase.
Our expertise lies in knowing which banks are best suited to each profile at any given time. We structure your application and present it to the most appropriate lenders to maximise approval, avoid delays and secure the best conditions.
We have strong agreements with top Spanish banks, ensuring a professional process, competitive mortgage offers and no cost for the client, as our service is paid by the bank.
Licensed and Trusted
- Licensed by the Bank of Spain D969
- Certified multilingual team: English, French, Dutch & Spanish
- Fully online process: fast, clear and secure
- Nationwide coverage, including Balearic and Canary Islands
360º Premium Service
We offer a complete solution through our trusted partners:
- NIE application (fast and remote)
- Independent real estate lawyers
- Currency exchange specialists
- Real estate agencies
- Utility setup (water, electricity, internet, alarm systems)
With Mortgage in Spain® Mortgage Broker, getting a mortgage in Spain as a non-resident is simple, secure and efficient.
We help you find the best mortgage offer tailored to your personal situation and guide you through the entire process with full transparency.
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.
Professional support
Mortgage in Spain is run by certified banking professionals with experience from Spanish Banks. We specialise on non resident mortgages.
You will not pay anything for our services. Our more than 18 years of experience make our banking agreements successful.
Supporting you with multilingual advisors
Buying property in Spain as a non-resident can seem complex, especially when it comes to understanding how mortgages work in a different country. Many international buyers are unsure about the requirements, the financing options available, and whether they qualify for a mortgage in Spain.
At Mortgage in Spain® Mortgage Broker, we help non-residents obtain mortgages in Spain by working directly with Spanish banks and their risk departments, ensuring each application is correctly structured from the beginning.
Can Non-Residents Get a Mortgage in Spain?
Yes, non-residents can obtain a mortgage in Spain. However, the conditions differ slightly compared to residents.
Typically:
- Financing ranges between 60% and 70% of the property value
- Banks apply strict affordability criteria (maximum 35% debt ratio)
- Documentation must clearly demonstrate income, assets and financial stability
Because each bank evaluates international clients differently, proper preparation is essential to achieve approval.
What Do Spanish Banks Require?
To apply for a mortgage in Spain as a non-resident, banks will usually request:
- Proof of income (salary slips, dividends or business income)
- Recent bank statements
- Tax returns from your country of residence
- Identification documents and NIE number
The key is not just providing documents, but presenting them correctly so that Spanish lenders can fully understand your financial situation.
Mortgage Types Available
Non-residents in Spain can access different types of mortgage products:
- Fixed-rate mortgages for stability and predictable monthly payments
- Variable-rate mortgages linked to Euribor
- Mixed mortgages combining fixed and variable periods
Choosing the right structure depends on your financial goals and risk profile.
Why Working with a Specialist Makes the Difference
Obtaining a mortgage in Spain as a non-resident is not just about meeting requirements — it is about structuring the application correctly and working with the right bank.
Mortgage in Spain® Mortgage Broker specialises in non-resident clients and achieves a 99% mortgage approval rate, thanks to:
- Direct access to Spanish banks and their central risk departments
- Deep understanding of international financial documentation
- Careful pre-analysis before any commitment is made
This approach protects clients from unnecessary risks and ensures a smooth and efficient process.
A Service Designed for International Clients
Our service is fully adapted to non-resident buyers and can be completed entirely online.
We guide you through every step, from the initial assessment to the final signature at the notary, ensuring full transparency at all times.
Importantly, our service is completely free for the client, as we are paid by the bank that grants the mortgage.
If you are considering buying property in Spain as a non-resident, the right guidance can make all the difference.
With Mortgage in Spain® Mortgage Broker, you benefit from expert support, a structured process, and access to the best mortgage offers available for your profile.
GET YOUR MORTGAGE IN SPAIN AS A NON-RESIDENT
Expert guidance to secure the best mortgage for your property purchase
TAILORED MORTGAGE SOLUTIONS
Mortgage Advice in Spain for Non-Residents
Mortgage in Spain
Enjoy your new home in Spain