20+ Years
Banking Experience
Seville & Málaga
Corporate Offices in Spain
Reg. 218/2018
Banco de España & AECOSAN
English & Spanish
Bilingual Client Support
Deep Industry Experience
Expert Mortgage Advice Backed by Decades of Banking Know-How
Hipoteca 100 is an independent Spanish mortgage consultancy dedicated to assisting international property buyers, expatriates, and non-residents who require financing to purchase property across Spain.
Our team brings over 20 years of direct experience working with major Spanish banking institutions and participating in major financial operations in Spain. Because we understand how Spanish risk committees evaluate foreign documentation, non-euro income, and credit profiles, we know how to present every client's application to maximize approval prospects.
Headquartered in central Seville with an operational branch in Málaga, we bridge the gap between international buyers and Spanish lenders—offering clear, professional guidance in plain English without the language barrier.
Why Work With Us
Why Choose Hipoteca 100?
Six core advantages of working with an experienced, independent Spanish mortgage advisor.
20+ Years Banking Experience
Extensive background working with Spanish credit risk committees, enabling us to anticipate lender objections and structure files correctly.
International & Non-Resident Focus
Specialized in handling non-euro incomes (GBP, USD, SEK, CHF), international tax returns, self-employed accounts, and foreign credit checks.
Access to Major Spanish Lenders
We present your file across multiple Spanish banks (such as Sabadell, CaixaBank, Santander, BBVA, and Bankinter) to compare real offers.
Personalised Feasibility Study
Every file is assessed individually. We analyze borrowing capacity, debt-to-income limits, and deposit requirements upfront with no obligation.
End-to-End Representation
We accompany you from initial document formatting and bank negotiation through property appraisal (tasación) and final notary completion.
Spanish & English Communication
Clear, transparent explanations in English for you, and precise, professional legal representation in Spanish with the banks.
Professional Advisory Roadmap
Our 5-Step Advisory Process
How we coordinate directly with Spanish bank credit risk departments on your behalf.
Initial Assessment & Budget Review
We analyze your residency status, foreign income, savings, deposit capacity, and target property area in Spain.
Mortgage Options & LTV Modeling
We calculate maximum loan-to-value (LTV up to 70% non-resident / 80% resident), debt-to-income ratios, and rate structures.
Lender Submission & Negotiation
We submit your file to Spanish lenders whose risk profile matches your background, comparing pre-approvals.
Documentation & FEIN Binding Offer
We assist with NIE, sworn translations, valuation (tasación), and review of the formal FEIN offer document.
Completion at Spanish Notary
We coordinate final notary signing and deed registration, supporting you in person or via Power of Attorney.
Need Advice on Your Specific Case?
Whether you earn in GBP, USD, EUR or another currency, our team can assess your borrowing capacity before you commit to a property reservation.
Request Free StudySpeak directly with our mortgage team
Get an honest, personalised assessment of your borrowing options in Spain — free of charge, in English, and with no obligation.