Our services.
The mortgages we secure for non-residents in Spain, whether you're buying, refinancing or building. Curious what happens next? See how the process works.
The mortgages we secure for non-residents in Spain, whether you're buying, refinancing or building. Curious what happens next? See how the process works.
Whether you're buying, refinancing or building, we compare the top 5 Spanish banks for non-residents and secure the right financing. Here is what we do.
Competitive financing for non-resident purchases across all of Spain, up to 70% loan-to-value.
Explore →Switch to better rates, release equity, or restructure the mortgage on a home you already own.
Explore →Staged finance for building your own home, with guidance through Spanish build requirements.
Explore →
01 · Purchase mortgages
From apartments to villas, we secure competitive financing for non-resident property purchases across all of Spain. Lenders typically offer non-residents up to 60–70% of the property value, with terms up to 25 years depending on your age and profile.
We approach the top 5 banks for non-residents on your behalf, negotiate terms, and present the options best suited to you. Then we handle the application through to completion.
02 · Refinancing
Already own property in Spain? We can help you refinance to better rates, release equity for a new project, or restructure your existing mortgage so it works harder for you.
Because we work across the top 5 banks for non-residents, we can set your current terms against what each of them would offer today, and tell you honestly whether switching is worth it.
03 · Construction finance
Building in Spain involves a different financing structure: funds are released in stages as your build progresses. We arrange staged construction finance and guide you through Spanish build requirements: licences, valuations and certifications included.
Our team coordinates with your architect and builder, and works with the bank at every stage, so financing never holds up the build.
Fixed, variable or mixed
Your rate and your monthly payment stay the same for the entire term. Ideal if you value predictability over chasing the lowest starting rate.
Variable rates track the Euribor and typically start lower, but your payment can move up or down over time as the index changes.
Fixed for an initial period, then switching to variable. Some lenders offer hybrid structures that balance certainty and flexibility.
What it costs
Your assessment and mortgage quote are free, with no obligation. If you decide to go ahead, there's a €795 sign-up fee, refunded in full if we can't secure your pre-approval, and a 0.70% success fee on the mortgage we arrange.
Everything is set out in writing before you commit, and there's nothing extra after the success fee: we manage your case through to completion at no additional cost.
See the full fee breakdown →Focused on you, wherever you are
Our team works with clients across Europe, the Americas, the Middle East and beyond. When needed, we run the whole process remotely, from first call right through to completion.
A mortgage can also be a smart fiscal tool: as a debt against the property, it reduces your net worth for Spanish Wealth Tax and can support inheritance planning. We work alongside tax advisors to structure things properly.
How mortgages reduce wealth tax →Service questions
Ready when you are
Book a free, no-obligation consultation and get a clear picture of what's possible for your situation.
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