Services
Mortgage Services for Foreign Buyers in Spain
From first-time non-resident buyers to expats already living in Spain, we structure the mortgage route that matches your residency, income, and property plans.
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Non-Resident Mortgages
This is the core service for buyers who live outside Spain and want a second home, relocation base, or investment property. We identify lenders that actively work with overseas applicants, explain realistic loan-to-value expectations, and flag upfront where appraisal gaps or currency haircuts may change your required deposit.
It is especially useful if you want an accurate pre-study before paying a reservation deposit, or if you need to compare whether a city apartment, holiday home, or higher-ticket property will be easier to finance.
- Up to 70% LTV for non-residents
- Fixed, variable, and mixed-rate options
- Lender matching by nationality and income type
- Pre-approval study before property reservation
Expat Resident Mortgages
If you already live in Spain or are moving your tax residency here, mortgage conditions often shift closer to the standard resident market. We help position your file accordingly, especially where employment contracts, padrón, payroll in Spain, or a change of residency status can improve available terms.
This service is useful if you are deciding whether to apply now as a non-resident or wait until your resident profile is fully documented — and whether that wait translates into meaningfully better conditions.
- Up to 80% LTV available for tax residents
- Padrón and NIE registration guidance
- Spanish payroll and Spanish contract optimisation
- Transition planning: non-resident to resident status
Mortgages for Remote or Foreign Income
Foreign buyers often assume their salary currency, tax system, or freelance income makes Spanish finance impossible. In reality, the issue is usually lender selection and document presentation. We structure files for GBP, USD, SEK, EUR and mixed-income cases, and explain where banks may ask for extra evidence, conversion notes, or translations.
This service is especially relevant for self-employed applicants, company directors, contractors, and buyers paid outside the eurozone.
- GBP, USD, SEK, CHF and mixed-currency cases
- Self-employed and company director structures
- Freelance, contractor, and remote income profiling
- Document translation and submission support
Refinancing and Bank Switching
If you already have a Spanish mortgage, we can review whether changing conditions, refinancing, or moving the loan to another bank makes sense. The focus is not only on headline rate, but on total monthly cost, linked products, remaining term, and whether your current lender is still the best fit for your profile.
This is often relevant to owners whose mortgage was arranged years ago, or buyers who now have a stronger income profile than when they first financed the property.
- Full rate and conditions review
- Subrogation and novation analysis
- Linked product unbundling assessment
- Bank switching coordination end-to-end
Ready to start?
Find the right mortgage route for your profile
Every foreign buyer's situation is different. Tell us about your residency status, income, and target property and we'll map out the most realistic path to approval.