Spanish Mortgages, Negotiated For You.
Spanish banks treat non-residents differently — worse rates, more paperwork, and offers that depend on who walks through their door. We negotiate simultaneously with multiple banks to secure the best terms for your profile, in English, end to end.
The Hispania Standard
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Multi-Bank Negotiation. 5+ Spanish banks compete for your file simultaneously.
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Independent of Banks. We always present offers from multiple lenders.
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Built for Non-Residents. Full English process, remote-friendly, all jurisdictions.
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Aligned Fees. The better the rate we negotiate, the more value you receive.
The Spanish Mortgage Market Isn’t a Single Market
Same property, same buyer profile — radically different offers
Spanish banks operate with significant discretion when pricing mortgages. The exact same applicant can receive offers ranging from 2.7% to 4.2% fixed depending on which branch they visit, what relationship the bank has with the property’s region, and how the file is presented.
For non-residents, this volatility is amplified. Lower LTV ceilings (60–70% vs. 80% for residents), stricter income verification, currency considerations, and language barriers all play against the foreign buyer who walks into a single branch alone.
Our role is to make banks compete for your file. We help you to submit simultaneously to 5+ partner banks, present your profile in the most favorable way, and advise you on how to negotiate every clause — from the headline rate to the small print on linked products and early repayment penalties.
“In Spain, a mortgage isn’t a price tag — it’s a negotiation. The clients who pay the most are those who don’t know they could be negotiating in the first place.”
Same Profile, Different Outcomes
What changes when you have a specialist negotiating with five banks at once instead of one branch’s first offer.
From First Call to Funds Disbursed
A structured, parallel-process methodology designed for non-resident buyers — typically 4 to 8 weeks from start to disbursement.
Mortgage Profile Assessment
Free consultation to evaluate viability — income, country of residence, currency, assets, age, target property and price range.
Documentation Pack
We coordinate translation, apostille and bank-friendly formatting of tax returns, payslips, bank statements and asset proof.
Multi-Bank Submission
Simultaneous submission to 3–5 banks selected for your profile. Each receives the file presented in the most favorable framing.
Pre-Approval Comparison
Within 7–14 days you receive a side-by-side comparison: rate, LTV, term, fees, linked products and total cost over the life of the loan.
Term Negotiation
We use competing offers as leverage to push down rates, reduce fees and remove or downsize linked products before final commitment.
FEIN, Tasación & Notary
We coordinate the property valuation, FEIN delivery, the mandatory 10-day reflection period and notary signing — with PoA if needed.
Disbursement & Post-Closing
Direct debit setup, mandatory insurances coordination, registry filing and ongoing support for any future refinancing or restructuring.
A Full-Service Approach to Spanish Financing
From the first profile call to the day funds are disbursed — every step coordinated in English by a single team.
Profile Assessment
Pre-screening of viability based on country, income, currency, assets and target property.
Documentation Coordination
Translation, apostille and bank-formatted documentation pack handled end to end.
Multi-Bank Submission
Parallel applications to 3–5 banks selected specifically for your profile.
Comparative Analysis
Side-by-side comparison of all offers — total cost over loan life, not just headline rate.
Rate & Term Negotiation
Multiple negotiation rounds using competing offers as leverage. Linked products contested.
English Process & Document Review
All communication, FEIN clauses and contracts reviewed and explained in English.
Tasación Coordination
Property valuation arranged with bank-approved appraisers and review of the result.
Notary & FEIN Coordination
10-day reflection period, FEIN review, notary appointment and signing — PoA if needed.
Post-Closing Setup
Direct debits, mandatory insurances, registry filing and post-closing compliance.
Complementary Services
(Sold Separately)
Buyer’s Agent
Property search, NIE, banking, due diligence, negotiation and notary representation.
Property Management
Ongoing maintenance, rentals, taxes and asset oversight for non-resident owners.
Available as add-on services — discussed during your discovery call.
Working with Spain’s Leading Mortgage Banks
We submit your file simultaneously to selected partners. Selection is based on your profile — country, income type, currency and target region.
Sabadell
Tier 1 · Non-Resident Specialist
Santander
Tier 1 · International Profiles
UCI
Specialist · Foreign Buyers
CaixaBank
Tier 1 · HolaBank Programme
Bankinter
Premium · Higher Tickets
Independent of Banks. Paid by You.
We don’t disclose pricing publicly — every project is different and we discuss it transparently in your first call. But the principle is simple: our incentives are tied to you, not the lender.
No Bank Commissions
We never accept fees, commissions or kickbacks from banks for placing your mortgage. Most “free” mortgage brokers in Spain are paid by the bank you end up with — and that conflict shapes every recommendation they make.
Performance-Based Component
A meaningful part of our fee is tied to how favorable the final terms are versus the bank’s first offer. The harder we negotiate down, the more we earn — and the more you save over the life of your mortgage.
Long-Term Savings = Our Success
A 0.30% rate difference on a €500,000 mortgage equals more than €25,000 over 25 years. Our work is judged on total cost over the life of the loan — not just whether your file gets approved.
“In Spain, the cheapest mortgage broker is rarely the cheapest mortgage. Pay your advisor, not the bank’s commission.“
Full pricing breakdown is shared transparently during your discovery call.
What International Borrowers Ask Us Most
Can non-residents really get a Spanish mortgage?
Yes — Spanish banks regularly lend to non-residents from the EU, UK, US, Canada, Latin America, the Middle East and Asia. The conditions are stricter (lower LTV, more documentation) but with the right profile and the right bank, mortgages are very accessible.
What’s the maximum LTV for non-residents?
Most banks cap non-residents at 60–70% loan-to-value, vs. 80% for Spanish tax residents. The exact ceiling depends on your country, income type, currency, age and target property. In some cases (premium clients, certain banks) we have negotiated up to 75%.
What documents do I need to provide?
Typically: passport, NIE, last 2 years of tax returns, last 3–6 months of payslips (or business accounts if self-employed), 6–12 months of bank statements, and proof of additional assets. We coordinate translation and apostille where required.
What rates are currently available?
As of mid-2026, well-negotiated fixed rates for non-residents range between approximately 2.7% and 3.5% over 20–25 years. Variable and mixed rates can start lower but carry interest rate risk. We always present total cost over the life of the loan, not just the headline rate.
Can I get a mortgage if my income is in another currency?
Yes, but Spanish banks treat foreign-currency income with extra caution under EU mortgage directives. They often apply a haircut (e.g. consider only 70–80% of foreign-currency income) and require currency stress tests. We choose the right bank for your specific currency situation.
How long does the mortgage process take?
Typically 4 to 8 weeks from documentation pack to disbursement. Fast cases close in 4 weeks; complex profiles (US tax residents, multiple income sources, atypical assets) can take 8–10 weeks. We work in parallel with banks to compress the timeline.
Do I need to be in Spain to sign?
No. With a Power of Attorney (PoA) granted at a Spanish consulate or notarized in your country with apostille, we can sign on your behalf. Many of our clients complete their entire mortgage without traveling to Spain.
What is FEIN, FIPRE and the 10-day reflection period?
FIPRE is the bank’s pre-contractual information sheet. FEIN is the binding offer the bank delivers before signing. Spanish law requires a mandatory 10-day reflection period between FEIN delivery and notary signing — during which we review every clause with you and resolve any final issue.