Buying a property in Spain as a non-resident can be exciting, but navigating the Spanish mortgage market without expert guidance can quickly become complicated. Different banks apply different lending criteria, documentation requirements and risk assessments depending on your country of residence, income structure and the type of property you wish to buy.

Mortgage in Spain® Mortgage Broker specialises in helping international buyers secure the best mortgage conditions in Spain with a professional, secure and fully online process. Whether you are purchasing a holiday home, investment property or luxury villa, our team manages the entire mortgage process from the first financial analysis to the final signing at the notary.

We are a mortgage broker licensed by the Bank of Spain, and our services are paid by the bank, meaning there is no cost for the client.

Why Use a Mortgage Broker in Spain?

Applying for a mortgage in Spain as a foreign buyer is very different from obtaining financing in your home country. Spanish banks evaluate international clients using internal risk systems that require experience, financial knowledge and the correct presentation of documents.

A specialised mortgage broker in Spain helps you:

• Understand your maximum borrowing capacity.
• Compare mortgage offers from Spanish banks.
• Avoid common mistakes that lead to delays or rejections.
• Present your financial profile professionally.
• Coordinate the mortgage process remotely.
• Protect your property purchase before paying large deposits.
• Save time by avoiding unnecessary bank meetings.

Mortgage in Spain® Mortgage Broker works directly with Spanish banks and their central mortgage departments to secure tailored mortgage solutions for non-resident clients.

Mortgage Broker Spain for Non-Residents

Spain remains one of the most attractive countries in Europe for international property buyers thanks to its climate, lifestyle, infrastructure, gastronomy and strong rental market.



Every year, buyers from the UK, Ireland, the Netherlands, Belgium, France, Germany, Scandinavia, the USA, Canada, Mexico, Dubai and many other countries purchase properties in Spain.

However, many foreign buyers discover that obtaining a mortgage in Spain is more complex than expected.

Different Rules for Non-Residents

Spanish banks usually finance up to 70% of the purchase price or valuation for non-residents. The buyer normally needs approximately:

• 30% deposit.
• 10% to 15% additional costs and taxes.

Each bank also analyses:

• Net disposable income.
• Existing debts and financial commitments.
• Employment stability.
• Tax residency.
• Credit history.
• Currency risk.
• Nationality and country of income.
• Type and location of the property.

This is why working with a professional mortgage broker in Spain is essential for international buyers.

Our Complete Mortgage Process in Spain

Mortgage in Spain® Mortgage Broker manages the entire process online with security, professionalism and speed.

Initial Financial Assessment

Before searching for a property or signing any reservation contract, we analyse your financial profile using similar affordability criteria to those applied by Spanish banks.

This allows you to:

• Know your realistic budget.
• Understand your required savings.
• Avoid purchasing properties that banks may reject.
• Move forward with confidence.

Calculation of Purchase Costs

We calculate all purchase costs in detail, including:

• Property transfer tax or VAT.
• Notary fees.
• Land Registry fees.
• Legal costs.
• Valuation fees.
• Mortgage-related expenses.

This ensures complete financial clarity before proceeding.

NIE Number Assistance

Foreign buyers require a Spanish NIE number to purchase property in Spain.

We help coordinate the process remotely to simplify the experience and avoid unnecessary travel.

Reservation Contract Review

One of the most important stages is protecting the buyer before paying deposits.

We coordinate with lawyers and real estate agents to ensure reservation agreements and private purchase contracts include mortgage-protection clauses whenever possible.

Mortgage Negotiation with Spanish Banks

We prepare and present the mortgage application professionally to the banks most suited to your profile.

Because different banks prefer different client profiles, experience is essential.

Mortgage in Spain® Mortgage Broker specialises in matching each client with the most appropriate bank to maximise approval possibilities and obtain the best mortgage conditions.

Property Valuation Coordination

Spanish banks require an official property valuation.

We coordinate the valuation process with appraisal companies across Spain and ensure everything progresses efficiently.

FEIN and Mortgage Offer Review

Once the bank issues the mortgage offer, we explain the FEIN document and all mortgage conditions clearly before signing.

Notary Coordination

We coordinate the mandatory transparency appointment with the notary and the final signing process to ensure a smooth and stress-free experience.

Mortgage Broker Spain for Luxury Properties

Mortgage in Spain® Mortgage Broker specialises in complex and high-value mortgage operations for international buyers purchasing luxury properties in Spain.

High-Value Mortgage Expertise

We regularly assist clients purchasing:

• Luxury villas in Marbella and the Costa del Sol.
• Prime properties in Madrid.
• Exclusive homes in Barcelona.
• High-end apartments in the Balearic Islands.
• Luxury residences in the Canary Islands.

Our experience with high-net-worth international clients allows us to structure complex applications professionally and efficiently.

Direct Communication with Banks

We work directly with mortgage departments and risk centres within Spanish banks, allowing faster communication and better structuring of complex cases.

This is particularly important for:

• International business owners.
• Company directors.
• Investors.
• Clients with international assets.
• Buyers with multiple income sources.
• Self-employed professionals.

Why International Buyers Choose Mortgage in Spain® Mortgage Broker

Licensed by the Bank of Spain

Mortgage in Spain® Mortgage Broker operates through Prime Mortgage Solutions S.L., an authorised mortgage broker licensed by the Bank of Spain.

This provides clients with security, transparency and professional standards.

99% Approval Rate

Our 99% mortgage approval rate is achieved through careful pre-analysis and by identifying potential financial or property-related issues before submitting applications to banks.

Services Paid by the Bank

Our mortgage broker services are paid by the bank that grants the mortgage.

Clients do not receive invoices for our mortgage brokerage services.

Fully Online Mortgage Process

International buyers can complete almost the entire mortgage process remotely until the final notary appointments.

Experience with International Documentation

We understand the tax systems and documentation requirements of clients from multiple countries, helping avoid delays and misunderstandings with Spanish banks.

Additional Services

We can also connect clients with:

• Real estate agencies.
• Property lawyers.
• NIE service providers.
• Currency exchange companies.
• Utility connection companies.

Best Areas to Buy Property in Spain

Spain offers excellent opportunities for both lifestyle buyers and investors.

Marbella and Costa del Sol

One of the most popular destinations for luxury property buyers thanks to its climate, golf courses, beach lifestyle and international community.

Madrid

Ideal for international executives and investors seeking premium real estate and strong long-term value.

Barcelona

A highly attractive city for international buyers seeking culture, business opportunities and lifestyle.

Balearic Islands

Mallorca and Ibiza continue attracting high-net-worth buyers from around the world.

Canary Islands

Excellent climate all year round with growing international demand.

Mortgage in Spain® Mortgage Broker operates across all regions of Spain, including mainland Spain, the Balearic Islands and the Canary Islands.

Frequently Asked Questions About Mortgages in Spain

Can non-residents obtain a mortgage in Spain?

Yes. Spanish banks offer mortgages to non-residents from many countries worldwide, subject to financial analysis and approval.

How much can I borrow?

Most non-resident buyers can usually obtain up to 70% financing depending on their financial profile and the property.

How long does the process take?

The process generally takes between 4 and 8 weeks depending on documentation, valuation and bank approval times.

Do I need to travel to Spain?

Most of the process can be completed remotely until the final notary appointments.

Are your services free?

Yes. Our mortgage broker services are paid by the bank that grants the mortgage.

Contact Mortgage in Spain® Mortgage Broker

If you are looking for a professional mortgage broker in Spain with experience helping international buyers, Mortgage in Spain® Mortgage Broker can guide you through the entire process safely and efficiently.

Our team helps clients from around the world obtain tailored mortgage solutions for properties across Spain.

We are a mortgage broker licensed by the Bank of Spain and specialise in helping non-resident buyers purchase property in Spain with security, professionalism and expert guidance.