Mortgage Brokers in Spain

Looking for a mortgage in Spain? We're financial experts! We’ll find the right deal and handle everything for you.

✓ Fast approvals

✓ Special conditions

✓ Non-resident mortgages

El ahorro debe ser menor a la vivienda.

How we help non-residents get a mortgage in Spain

If you’re not Spanish or a resident in Spain, you probably don’t even know where to start looking for a mortgage: which banks are the best? What counts as a good mortgage rate? With us, you don’t need to spend time learning the local mortgage market — just rely on a mortgage broker like us. We know the local regulations, negotiate hundreds of mortgages each year, and have experience with foreign buyers investing in Spain.

We can start your mortgage application, and you won’t need to leave your country until the final step. Trust our mortgage specialists to secure the best possible financing. Want to learn more?

BEST MORTGAGE

1.80 % NIR*

FIXED

30 years

Why choose a mortgage broker?

TRUST AN EXPERT

As a non-resident, getting started can feel overwhelming, but with a Spanish mortgage broker, you’ll have all your questions answered and get the best deal possible.

SAVE MONEY

In most cases, we secure lower interest rates than those initially offered by banks to our clients. This is possible because we negotiate a large volume of mortgages every year.

SAVE TIME

We guide you through the entire process so you don’t have to spend so much time on it. We negotiate with the Spanish banks on your behalf, so you can focus on your new home.

Daniel saved €33,547** on his mortgage.

And so can you.

Daniel saved € 33,547** on his mortgage.

And so can you.

How much can I save with a mortgage advisor?

Still don’t believe Daniel’s story? Well, to show you it’s real, here are all the details of his mortgage. Daniel took out a fixed-rate mortgage** with an advisor and saved a considerable amount of money. Now you can see how he managed it thanks to using the services of an online mortgage broker. If you take a look at the table, you’ll see that with a mortgage consultant Daniel secured a mortgage with a lower interest rate than the market average. This translated into a smaller monthly payment and a total saving of €33,547 over the 30-year term of the loan. And that’s without even factoring in other costs, such as home or life insurance bundles, which the mortgage broker in Spain also helped him avoid.

  WITH BROKER WITHOUT BROKER
Mortgage amount €194,000 €194,000
Interest rate (NIR) 1.25 % 2.21 %
30 year total interest €38,000 €71,547
Monthly payment €646 / month €737 / month
30 year total savings €33,547 €0

**Mortgage with Banc Sabadell of €194,000, over 30 years, with no tied products and at a fixed interest rate (TIN) of 1.25%, compared to a simulated mortgage using the average TIN for the same period according to the Spanish National Statistics Institute (INE). January 2021. Total savings in loan interest: €33,547.

How does a mortgage broker work?

Applying for a mortgage with a mortgage broker is really easy! Every adviser works in their own way, but we like to handle almost everything so you barely have to lift a finger. How do we do it? Here’s your step-by-step guide to hiring the best mortgage broker ⬇️

  • STEP 1ONLINE SIMULATION

    Do a mortgage simulation in just 2 minutes and we’ll find you the best deal. You’ll also receive a little gift 🎁 by email once you’re done!

  • STEP 2INITIAL CALL

    After receiving your email, we will get in touch with you to explain how we work and to carry out an initial detailed analysis of your needs.

  • STEP 3WE FIND THE BEST MORTGAGE

    We’ll ask you to send us a few documents so we can find the best mortgage. With this information, we’ll contact the banks to secure the best financing.

  • STEP 4WE PRESENT THE BEST DEAL

    We’ll call you as soon as possible to share your personalised offer after negotiating with the banks. We’ll guide you and help you choose the best option for your needs.

  • FINAL 🏁YES, I'M IN!

    If you choose to move forward with us, we’ll take care of your mortgage and be by your side throughout the whole process until the day you sign.

Ready to get started? Get in touch today! Our mortgage advisers have years of experience helping clients just like you — from first-time buyers and second homes to cases requiring over 80% financing. Don’t wait — secure your best mortgage today.

GET YOUR MORTGAGE

Online Mortgage Broker

If what you’re looking for is convenience and not having to visit a physical office, we can help you too! We are online mortgage brokers and work remotely via email, phone, WhatsApp — whatever works best for you (we don’t accept smoke signals though 😉). We firmly believe that offering a 100% online service is a great option, since nowadays there are countless ways to communicate remotely, share all the necessary information and resolve any questions. If you’re one of those people who prefer to avoid face-to-face meetings, don’t worry — we adapt to you 😊

 
Earlier you’ve seen how the process of working with an online mortgage broker works: it’s as simple as running a simulation on our website. From there, our mortgage brokers will get in touch with you, explain everything you need to know, and if you’re happy to proceed, we’ll start a fully personalised and completely free feasibility study. Would you like to take advantage of it now?

Our Banking Partners

hipotecas banco santander
hipoteca banc sabadell
hipotecas bbva
hipotecas caixabank
hipotecas evo banco
hipotecas abanca
hipotecas unicaja
hipotecas kutxabank

Testimonials About Our Mortgage Brokers

  • My husband and I moved to Madrid for work and wanted to buy a small apartment to live in. We contacted a mortgage broker and they handled all the arrangements right through to the signing of the mortgage.

    Julie

  • I wanted to buy a property in Barcelona and had no idea where to start, but with the mortgage broker I was able to get financing on very good terms. If you’re a foreigner, I definitely recommend them.

    Jonas

  • They advised me and took care of all the paperwork while I was in the UK. Fast, smooth and very efficient. We secured a good mortgage for our second home in Mallorca.

    Thomas

Frequently Asked Questions

1Do you offer mortgages for non-residents in Spain?
Yes, we specialise in helping non-residents obtain mortgages. We take care of all the arrangements with the banks so you can purchase your property with financing.
2Do I need to travel to Spain to start the process?
You don’t need to travel to Spain during the initial stage of the mortgage application, but you will need to be in Spain on completion day to sign the mortgage at the notary’s office.
3How much can I borrow on a Spanish mortgage?
Spanish banks generally finance up to 70% of the property’s purchase price (loan-to-value). A mortgage broker can help you secure approval more easily.
4How much do mortgage brokers charge in Spain?
A mortgage broker’s fee in Spain is usually between 2% and 5% of the loan amount. This includes ongoing support, bank negotiations, and handling all the paperwork until the day you sign your mortgage.
5Should I use a mortgage broker or do it myself?
If you live abroad and don’t know the Spanish mortgage market, it’s best to rely on a mortgage broker who can get you the best financing — and make sure the banks don’t take you for a ride.
6Is there a maximum age for a mortgage application?
Yes, in Spain, banks do not offer mortgages to people older than 75.

*Latest fixed-rate mortgage secured in January 2025. Mortgage term: 30 years. Interest rate: 1.80% TIN. Conditions: salary direct debit. Bank: Banc Sabadell.