Is This September the Moment to Begin Your Life in Spain?

2 September 2025

September: The Moment to Begin Your New Life in Spain

Happy family running on the beach in Spain — start your new life with Mortgage in Spain Mortgage Broker

"I’ve just come back from Spain, but I can’t stop thinking about it. The mornings felt different there — lighter, warmer, freer. I remember opening my laptop on the terrace, the sun rising over the sea while I started my day. By late afternoon, I’d be sharing tapas with my family, a glass of sangría in hand, watching my children chase each other along the beach, still in short sleeves. Back here, as autumn settles in, I find myself asking: what if this wasn’t just a holiday memory, but our everyday life?"


This is not just a thought — it is how an email from one of our clients began just a few days ago. He reached out to us to start his mortgage application, because he had made a clear decision: he wanted to change his family’s lifestyle, moving from the comfort of his current country to the warmth, freedom, and balance that Spain offers. His words reflect the same feeling that so many families experience every September, when the return to routine makes them realize that life can be different.


The September Spark: Routine or Renewal?


September is always a turning point. The holidays end, routines restart, and the familiar cycle of work and school resumes. Yet, after spending a summer in Spain, many families realize that they don’t want to return to “business as usual.” They start to picture a life where the sun shines more than 300 days a year, where weekends are spent outdoors instead of indoors, and where the rhythm of life feels healthier, slower, and more connected.

For many of our clients, September was the month when everything changed. They made the choice not to leave Spain behind, but to make it part of their everyday reality.


The Dilemma: Stay as You Are or Take Action?


The question is simple, but profound:

  • Do you continue with the life you know, repeating the same routine year after year?
  • Or do you take action and change your life — and your family’s life — just as thousands of European families have already done by moving to Spain with the freedom of remote work?


Across Spain’s coastal regions and islands, more and more families from across Europe and beyond are settling down. The numbers tell the story: in provinces like Alicante, Málaga, and the Balearic Islands, over 20% of the population is foreign-born, with thriving communities from the UK, Germany, France, the Netherlands, Scandinavia, and many other countries.

Schools reflect this new reality. In many coastal towns, one out of every three children in local schools is international, creating vibrant multicultural classrooms where Spanish, English, French, German, and other languages are spoken daily. Your children won’t be the “new ones” — they’ll be part of a generation that grows up naturally connected to the world.


Life Redefined: Teleworking Under the Sun


Imagine starting your workday not in a crowded commute, but with Mediterranean light filling your home office. Spain’s digital infrastructure and widespread acceptance of remote work make it possible for thousands of families to relocate while maintaining their careers abroad.


From cities like Valencia and Málaga to islands like Mallorca, Tenerife, or Gran Canaria, you’ll find communities of professionals who have already made the leap. They share the same story: better quality of life, a stronger sense of family, and the discovery that balance is not just possible, but sustainable.


Mortgage in Spain: The Bridge to Your New Life


At Mortgage in Spain Mortgage Broker, we understand that this decision is not only about numbers, but about life. That’s why we are more than mortgage specialists — we are the bridge between where you are now and where you want to be.


  • We calculate your borrowing capacity with the same rules banks in Spain use, so you know exactly what’s possible.
  • We simplify the entire process, negotiating directly with Spanish banks on your behalf.
  • We connect you with trusted lawyers, real estate agents, and service providers to make your transition seamless.
  • Our services are free for you — the bank pays our fees, never you.


We are proud to say that 99% of our mortgage applications are approved, thanks to our strong relationships with Spanish banks and more than 15 years of experience. Our clients come from the UK, Ireland, France, Belgium, the Netherlands, Switzerland, Germany, Poland, the USA, Canada, Mexico, Saudi Arabia, Dubai, Romania, Sweden, Norway, Denmark, Italy, Czech Republic, Lithuania, Estonia, Finland, and Israel.


And because we are a mortgage broker licensed by the Bank of Spain, you have the reassurance of working with a fully regulated, professional partner.


September Is the Time


So here’s the real question: will you go back to your old routine, or will you take the step that thousands of families have already taken? September is the perfect time to begin.


Because your children really could be running along the beach in October, laughing under the sun. You could be working with the sea breeze on your skin and tapas on your table. And the only thing standing between your current life and your new one is a first contact with us.



Take the step today. Let us help you turn your Spanish summer into your everyday reality.

🇪🇸 Buying a Home in Spain as a Non-Resident? Here’s the Solution! 🏡


✅ We Make It Easy – Your Mortgage, Simplified!

 Mortgage in Spain, Mortgage Broker specializes in helping non-residents secure the best mortgage deals hassle-free.

✔ Fast-track approval – Preliminary agreement in 48 hours
✔ 
Expert negotiation – We work with top Spanish banks to get you the best interest rates
✔ 
No brokerage fees – Our service is 100% free for you (the bank pays our commission)
✔ 
Personalized service in English, French, Dutch, and Spanish
✔ 
Full assistance from start to finish – We handle the paperwork and connect you with lawyers, real estate agents, and currency exchange services

Experts in international clients from over 20 countries across Europe and beyond

We provide expert support to non-resident clients from:
🇬🇧 UK · 🇮🇪 Ireland · 🇫🇷 France · 🇧🇪 Belgium · 🇳🇱 Netherlands · 🇨🇭 Switzerland · 🇩🇪 Germany · 🇵🇱 Poland · 🇺🇸 USA · 🇨🇦 Canada · 🇲🇽 Mexico · 🇸🇦 Saudi Arabia · 🇦🇪 Dubai · 🇷🇴 Romania · 🇸🇪 Sweden · 🇳🇴 Norway · 🇩🇰 Denmark · 🇮🇹 Italy · 🇨🇿 Czech Republic · 🇱🇹 Lithuania · 🇪🇪 Estonia · 🇫🇮 Finland


Let us help you secure your Spanish mortgage—stress-free and with no upfront cost.


Avoid stress and delays! Leave your contact details now and let our experts guide you step by step toward your dream home in Spain!

🏡 Your Spanish property is within reach – Let’s make it happen today! 

Not a credit offer. Approval depends on banks and documentation provided. Fully licensed broker (D969)


Send a message

12 January 2026
How Two Comma Club clients finance luxury property in Spain with discretion, expert structuring and a mortgage broker specialised in €1M+ transactions.
Comprador no residente con dudas sobre hipotecas en España en 2026, mortgage in spain
30 December 2025
Guía clara sobre cómo funcionan las hipotecas en España para no residentes en 2026. Financiación, requisitos y proceso explicados paso a paso.
Christmas greeting image from Mortgage in Spain Mortgage Broker featuring a golden house as a gift,
23 December 2025
A heartfelt 2025 recap from Mortgage in Spain Mortgage Broker, thanking our clients and looking ahead to 2026, where new home dreams in Spain will come true.
Vánoční Marbella s vánočním stromem a textem „Marbella bude tvým dárkem v roce 2026“.
12 December 2025
Objevte kouzlo Vánoc v Marbelle, život na Costa del Sol a možnosti investice do druhého domova pro české kupující.
Latinos invierten en la Costa Blanca: guía para comprar en España
11 December 2025
Mexicanos y latinos en EE. UU. invierten en la Costa Blanca por su clima, precios y alta rentabilidad. Descubra cómo comprar con apoyo 360° y la mejor hipoteca.
2 December 2025
Un servicio pensado para ti, que sigues sintiendo España como tu hogar
2 December 2025
Mortgage in Spain offers non-resident buyers clarity, trust and a 99% approval rate. Personal guidance, full transparency and a service licensed by the Bank of Spain
Illustration of mortgage interest rates in Spain with a money bag, a downward red arrow and a magnif
19 November 2025
Mortgage rates Spain updated for 2025–2026. Clear overview of current interest rates in Spain and expected trends for the first half of 2026.
Kobieta w kapeluszu siedzi nad morzem w Hiszpanii. Napis: „Czas, by wakacje trwały cały rok. Hiszpan
11 November 2025
Odkryj, dlaczego Polacy kupują domy w Hiszpanii. Słońce, spokój i lepsze życie z Mortgage in Spain – licencjonowany broker hipoteczny.
16 October 2025
Hypothek in Spanien für Deutsche – Sicher finanzieren mit Expertenhilfe
8 October 2025
🇲🇽 Hipotecas en España para mexicanos: el sueño europeo al alcance de su mano
Spanish flag with map silhouette and text ‘Become a resident in Spain’ – Mortgage in Spain
18 September 2025
Discover how Spanish banks apply the 70% mortgage limit for non-residents in 2025 and when you can qualify as a resident for higher financing.
Homes for sale in Spain 2025: lifestyle, sunshine and opportunities for non-residents
29 August 2025
Homes for Sale in Spain (2025 Update): Why Non-Residents Are Choosing the Spanish Lifestyle
Broker hipotecario gratis en 2025 en España: servicio sin costes para comprar vivienda con hipoteca,
19 August 2025
Broker hipotecario gratis 2025 en España: consiga la mejor hipoteca sin honorarios ni costes ocultos. Estudio inicial rápido y 100 % online.
Mortgage in Spain.es inspirational quote — Let your dreams be your wings, with butterflies and brand
16 August 2025
n 2025, an American family made their dream of living in Marbella a reality with Mortgage in Spain. Discover how we secure the best mortgages and legal support.
7 August 2025
Essential Information for Swiss Buyers: How Much You Need, What to Prepare, and How to Get Started
31 July 2025
Où acheter sur la Costa del Sol en 2025 ? Le top 10 des villes pour les Français
18 July 2025
Ontdek hoe u in 2025 een huis aan de Costa del Sol kunt kopen met Spaanse hypotheek, zelfs als u in Nederland woont. Eenvoudig, veilig en goed geregeld.
Best Mortgage Lenders in Spain for Non-Residents 2025
17 July 2025
Discover the best mortgage lenders in Spain for non-residents in 2025. Get expert help to secure the ideal home loan. 100% online and licensed by the Bank of Spain.
 how to get a mortgage in Spain in 2025 as a non-resident.
14 July 2025
Discover how to get a mortgage in Spain in 2025 as a non-resident. Free service, fast approval, and expert guidance from a broker licensed by the Bank of Spain.
Hipoteca no residente costa del sol
11 July 2025
Descubra cómo obtener una hipoteca en la Costa del Sol siendo no residente. Con Mortgage in Spain su única preocupación será decorar su nuevo hogar.
Mortgage Rate Spain 2025: Updated Trends for Buyers
9 July 2025
Discover the latest mortgage rate Spain in June 2025. Updated insights for non-residents buying property in Spain with expert broker support.
8 July 2025
Hipotecas en España para no residentes: la experiencia de cientos de clientes que ya lo lograron con Mortgage in Spain.es
4 July 2025
Escape the Dubai heat and embrace Mediterranean living with our exclusive 360º service.
18 June 2025
Thinking of buying a property in Benidorm but you live abroad?
10 June 2025
How Real Estate Agents Can Speed Up Mortgage Closings in Spain
30 May 2025
Investir à Minorque depuis la France : mode d’emploi pour acheter sans stress
26 May 2025
Mortgage for Spain Made Easy: 100 % Online, 99 % Success 
23 May 2025
Come ottenere un mutuo in Spagna: soluzioni sicure per italiani non residenti
Hipotecas para no residentes: guía práctica para mexicanos
22 May 2025
Mexicanos que compran casas en Madrid: cómo conseguir la mejor hipoteca para no residentes
Buying a Home in Spain from the U.S. Best tips
21 May 2025
Buying a Property in Spain with a Mortgage as a U.S. Citizen: 25 Key Questions Answered
12 May 2025
How Americans Can Get a Mortgage in Spain to Buy Their Dream Holiday Home
30 April 2025
Your Dream Home in Costa del Sol Is Closer Than Ever: Direct Flight from Malaga to New York!
22 April 2025
How a Tech Executive from Palo Alto Bought His Dream Villa in Marbella
14 April 2025
Historias reales de no residentes que compraron su casa en España con éxito
9 April 2025
Soleil, rentabilité et qualité de vie pour les Français
7 April 2025
Wat is het en waarom is het verplicht bij de verkoop van een woning?
1 April 2025
if you're considering buying a holiday home in Marbella, using a mortgage broker can make the process easier, cheaper, and less stressful. With their local knowledge, negotiation skills, and guidance, you can find the best mortgage deal for your needs and enjoy your new holiday home with peace of mind. Call us now!
31 March 2025
Can You Get a Spanish Mortgage If You Earn in Saudi Riyal (SAR)? Discover How to Buy Your Dream Property with Confidence
25 March 2025
📈 Pourquoi 2025 est un bon moment pour investir en Espagne
20 March 2025
Huis kopen in Spanje: De complete gids voor Nederlanders
13 March 2025
Understanding Mortgage Requirements in Spain
12 March 2025
How to Move to Spain from Canada? The Smart Strategy to Buy, Invest, and Relocate Stress-Free
11 March 2025
Securing a mortgage in Spain as a non-resident requires a clear understanding of Spanish banking criteria , legal procedures, and financial planning.
house flipping
7 March 2025
Learn how to finance house flipping in Spain with bank loans & alternative funding. Get expert guidance to maximize profits in top real estate markets. 🚀
25 February 2025
¿Qué hace un Broker Hipotecario?
Hipotecas no residente
21 February 2025
¿Qué son las hipotecas para no residentes?
Mortgage term
21 February 2025
Spain’s Mortgage Term Limits for Non-Residents: How Age Affects Your Loan Options
equity release
20 February 2025
Understanding Mortgage Restrictions in Spain for Cash Buyers 
18 February 2025
When evaluating a mortgage application, Spanish banks conduct a thorough financial assessment to determine whether an applicant is creditworthy. They require credit reports from both your home country and country of residence to: ✅ Verify Your Financial Health – Ensure you have a good history of managing debts responsibly. ✅ Check for Undisclosed Liabilities – Spanish banks need to confirm that you do not have additional mortgages or loans that were not initially declared. ✅ Assess Your Repayment Ability – By analyzing your debt-to-income ratio, banks determine whether you can afford a Spanish mortgage without financial strain. Having a clean and transparent credit history significantly improves your chances of mortgage approval. Any discrepancies or missing information may lead to delays or even rejection. How to Obtain Your Credit Report Online in Europe? To streamline your mortgage application, you should obtain your credit report in advance . Below is a list of official websites where you can request your credit report online from different European countries: 🔹 United Kingdom – http://www.equifax.co.uk or http://www.experian.co.uk 🔹 Germany – http://www.meineschufa.de 🔹 France – http://particuliers.banque-france.fr 🔹 Italy – http://www.bancaditalia.it/compiti/vigilanza/centrale-rischi 🔹 Spain – http://www.bde.es/wbe/es/para-ciudadano/gestiones/informacion-riesgos-cir 🔹 Netherlands – http://www.bkr.nl 🔹 Belgium – http://www.nbb.be/en/central-credit-individuals 🔹 Austria – http://www.ksv.at 🔹 Sweden – http://www.uc.se 🔹 Denmark – http://www.experian.dk 🔹 Switzerland- https://www.zek.ch/ 📌 Tip: Make sure your credit report is recent and accurate before submitting your mortgage application to avoid any unnecessary complications. How Does Your Credit Report Affect Your Spanish Mortgage Approval? Your credit report is a critical factor in determining your mortgage terms. Here’s how it impacts the approval process: 📉 Interest Rate – A strong credit history may qualify you for better interest rates, whereas a poor report could lead to higher rates or rejection. 💰 Loan Amount – Spanish banks assess your creditworthiness to decide how much they are willing to lend you. ⚠️ Red Flags – If your report shows late payments, defaults, or high outstanding debt , it can raise concerns and lead to additional scrutiny or rejection. Ensuring your credit report is in good standing before applying for a mortgage is one of the best ways to secure favorable loan conditions. What Happens If There Are Errors in Your Credit Report? ❗ Mistakes in your credit report can delay or even jeopardize your mortgage approval. If you find errors, take the following steps: 1️⃣ Contact the Credit Agency – Request a correction and provide any necessary documents to support your claim. 2️⃣ Notify the Spanish Bank – If you have already submitted your mortgage application, inform your lender about the error. 3️⃣ Provide Alternative Proof – If a correction takes time, provide additional financial documents to demonstrate your ability to repay the mortgage. Why Choose Mortgage in Spain.es Mortgage Broker ? Applying for a mortgage as a non-resident in Spain can be complex. Mortgage in Spain Mortgage Broker simplifies the process and offers exclusive advantages: 🌍 Experts in Non-Resident Mortgages 15+ years of experience specializing in mortgages for non-residents. In-depth knowledge of Spanish bank requirements.  We are a mortgage broker licensed by the Bank of Spain 🏦 Strong Relationships with Spanish Banks Direct access to major Spanish banks. Negotiation of the best mortgage terms for you. 📑 Hassle-Free Documentation Process Assistance in obtaining, reviewing, and translating your credit report. Ensuring all paperwork is complete and properly submitted. 💰 No Hidden Fees – We Are Paid by the Bank Our services are free for you – the bank pays our commission. No surprise costs or extra charges. 🔗 Additional Services to Facilitate Your Purchase Connection with real estate agents, lawyers, and currency exchange companies . Support for utilities setup and property management. ⏳ Fast, Professional, and Secure Process We handle everything from application to mortgage approval . Expert guidance every step of the way. 📌 Partnering with Mortgage in Spain Mortgage Broker means saving time, avoiding stress, and ensuring you get the best mortgage possible in Spain. Final Thoughts: Make Your Mortgage Application Stronger ✅ Check your credit report before applying for a mortgage. ✅ Ensure all information is accurate and up to date. ✅ Partner with experts like Mortgage in Spain Mortgage Broker to navigate the process smoothly. 💡 Ready to apply for a mortgage in Spain ? Contact us today for a free consultation! 📧 Contact Us
More posts