Your Spanish mortgage, handled from start to finish.
Buying a home in Spain from abroad? We compare offers from more than 15 Spanish banks, prepare your file in English and guide you through valuation, legal review and the notary — so you can buy with confidence.
More than a mortgage broker in Spain
We are a credit intermediary registered with the Bank of Spain — what most people call a mortgage broker. The difference is our 360° service: our lawyers and economists also review the legal and tax side of your purchase, and we can help you find the home.
Best offer from 15+ banks
We present your case to the banks that lend to your profile and country of residence, and negotiate rate, fees and conditions.
Non-residents and expats
Foreign buyers and Spaniards living abroad: we know what each bank asks for and how to present foreign income.
Legal review included
We review the reservation, deposit contract (arras) and deed in parallel with the financing, so nothing is left to chance.
Clear numbers
Monthly payment, buying costs and taxes explained before you commit — no surprises at the notary.
Property search
With our real estate team, Asirahome, we help you find and negotiate the right home in Madrid.
Remote process
Most steps can be done from your country, and signing can be arranged with a power of attorney.
From first call to keys in hand
Free consultation
We review your situation, budget and timing in a 30-minute call.
Feasibility in 48 h
How much you can borrow, at what cost, and which banks fit you best.
Bank approval
We prepare the file, manage the valuation and negotiate the offer.
Signing
Legal review of the deed and coordination with the notary until completion.
What Spanish banks usually ask for
Each bank has its own checklist, but these are the documents most non-residents need. We tell you exactly what applies to your case.
- Passport and NIE (foreigner identity number)
- Last payslips or, if self-employed, recent tax returns
- Employment contract or company accounts
- Last 6 months of bank statements
- Credit report from your country of residence
- Details of existing loans and commitments
- Reservation or deposit contract of the property
- Proof of the funds for deposit and costs
Typical financing
Usually 60–70% of the price or valuation for non-residents. Depending on your profile, we can improve these terms thanks to our collaboration agreements with the banks.
Buying costs
Plan for roughly 8–13% of the price for taxes, notary, registry and valuation, depending on the region and whether the home is new.
Currency and income
Income in a foreign currency is accepted by many banks; we show it the way each bank needs to see it.
Timing
6 to 10 weeks from complete file to signing is typical for a purchase with a mortgage.
Mortgages for non-residents, answered
Can a non-resident get a mortgage in Spain?
Yes. Spanish banks lend to foreign buyers and to Spaniards living abroad. Conditions depend on your country of residence, income, credit history and the property. We present your case to the banks that best fit your profile.
How much will a Spanish bank lend to a non-resident?
As a general reference, non-residents usually obtain between 60% and 70% of the purchase price or valuation, whichever is lower. Depending on your profile, we can improve these terms thanks to our collaboration agreements with the banks.
What documents do I need?
Passport and NIE, proof of income (payslips or tax returns), employment contract or company accounts if self-employed, recent bank statements, a credit report from your country of residence and details of any existing loans. We give you a clear checklist from day one.
How long does the process take?
From a complete file to signing at the notary, a typical purchase with a mortgage takes 6 to 10 weeks. We coordinate valuation, bank approval, legal review and the notary appointment so you know each step.
What are the buying costs in Spain?
Second-hand homes pay transfer tax (ITP) set by each region; new homes pay VAT plus stamp duty (AJD). Add notary, land registry and agency fees, and the bank valuation. Plan for roughly 8% to 13% of the price on top of your deposit.
Do I need to travel to Spain?
Not necessarily. Most of the process can be handled remotely, and the signing can be done with a power of attorney. We explain the options for your situation.
Some of the more than 15 banks we have collaboration agreements with.
Tell us about your purchase in Spain
Free, no-obligation consultation in English with one of our advisors.
