We help private buyers find the best property financing

The basic rules of mortgages for private buyers in Spain 


We have special contracts with around 20 of the best banks in Spain, they give us and our clients better mortgage conditions and lower interests, compared if you walk in to a bank office your self. We help you get the best deals on the market, but we also help you avoid costly misstakes, check all paperwork of the property you are buying, help you get a good valuation of the property and organize bank and notary meetings. A full service from the start to the finishing line.


We are licensed buy the Bank of Spain to officially and legally correct offer this service, following all GDPR and data protection laws. In many ways we are as regulated as a lawyer would be. We only charge a success fee after you have used a loan that we organized, and made your purchase. So it is totally safe and risk free for you, if you let us help you in this process.


If you are a foreign passport holder, tax resident in another country than Spain, you are what is called a "Non-Resident buyer". If you are a foreign passport holder tax resident in Spain, you are what is called a "Resident buyer". The rules are different depending if you are tax resident in Spain or not.


Here are some basic facts about the Non-Resident loan process:


- If you are maximum 55 years old, you will receive up to 20 year payment plan.


- If there are no illegal parts in the property valuation, you will recieve 70% of the property value in a loan.


- You will need approximately 40% in cash, since there will be around 10% taxes and fees to pay when you do a property purchase.


- The interest rates in Spain are currently between 2-4%, depending on your financial situation and the property you are buying.


- You can not exceed 40% of your net income in total loan volume. If you have too many loans and credits already, you will be denied by the Spanish banks.


- We can help You ask for a mortgage promise, even if you have not found the property yet, in order to know how much money you can receive in a loan.


- The bank will want to see a fresh property valuation, which we can organize for the property you like to purchase.


- The process from our first contact to a ready purchase is approximately 4-6 weeks.


- In the end, if you use a mortgage arranged by us for your purchase, we will charge you 1% of the loan amount as our success fee.


- If you fill in the form below, we will contact you within 24 hours to tell you what is possible for you.


Here are some basic facts about the Resident loan process:


- If you are tax resident in Spain, and have an income track record of minimum 6 months, some of the rules change.


- You can receive a longer payment plan than 20 years, depending on your age.


- You will receive 80% of of the property value in a loan.


- The rest of the rules stay the same as above.


- If you fill in the form below, we will contact you within 24 hours to tell you what is possible for you.


If you need to release equity from an existing property


- Some of our clients have bought properties cash, and have the need to release money with the property as security.


- This is called equity release, which the Spanish bank system does not offer.


- We have private equity lenders offering equity release, which is a bit more expensive than bank loans.


- If you have an existing property without loans on, we can organize an equity release offer, to fund your next property purchase.


- If you fill in the form below, we will contact you within 24 hours to tell you what is possible for you.


Fill in our application form here


We will contact you within 24 hours to inform you more about the process and your possibilities for a loan in Spain. All your data will be stored according to international laws of data protection.