The real rate, not the poster rate.
Spanish banks treat non-residents differently, and the rate on the poster is rarely the story. Through brokers we’ve vetted, we introduce you to lenders who actually work cross-border, then help you read the offers side by side.
Sound like you?
You’re buying from abroad
Non-residents face different loan sizes, different proof, different patience. The right lender matters more than the right advert.
Your income isn’t Spanish
Foreign payslips, self-employment, retirement income: all workable, if the file is built the way Spanish banks read.
You could pay cash, but…
Sometimes financing beats liquidating savings; sometimes it doesn’t. We’ll help you ask the question properly, and take “cash is simpler” for an answer.
What we take off your plate.
Step by step, no surprises.
A feasibility chat
Rough numbers early: what banks will likely lend on your profile, what it costs monthly, what cash you’ll need on the day. Before you fall in love with a home.
One file, built properly
Spanish banks are document-hungry. The broker builds your file once, the way underwriters want it, then reuses it across lenders.
Offers, side by side
Rate, fees, insurance conditions, early-repayment terms: lined up plainly so you compare like with like.
Completion, timed
The mortgage signs at the same notary table as the purchase. We choreograph the two so neither waits on the other.
Asked every week.
How much can a non-resident borrow?
Commonly a smaller share than residents get, often somewhere around 60–70% of the value, depending on the bank and your file. The honest answer is a real number from a real lender, early, and that’s what the feasibility chat is for.
Do I need a Spanish bank account?
Yes: the mortgage and the home’s running costs are paid from one. Opening it is part of the paperwork we coordinate, usually alongside the NIE.
What does the broker cost?
How the broker is paid, whether by you, the bank, or both, is put in front of you before you commit to anything. If an introduction ever earns us something, you hear that from us first, too.
Fixed or variable?
Spain offers both, plus mixed. Which fits depends on your horizon and appetite. The broker will lay out the real difference in euros, not adjectives, and the choice stays yours.
Ask us about your move. We’ll answer plainly.
No pressure, no obligation. And if we’re not the right people for it, we’ll say so and point you somewhere better.