Your Spanish mortgage,
explained in English.
I spent 15 years inside Spanish banking. Now I help international buyers get the right mortgage in Spain, and I walk you through every step, from NIE to notary.
“For 15 years I sat on the bank’s side of the table. Now I sit on yours.”
Former BBVA Regional Director, Ibiza & Formentera
What worries international buyers
Different rules for non-residents, documents in Spanish and little explanation. I translate the process, not just the words.
Non-residents usually need a larger deposit than residents. I tell you upfront what is realistic for your profile.
NIE, Spanish bank account, valuation, lawyer, notary, power of attorney. I coordinate it so nothing falls through the cracks.
How I help international buyers
One point of contact who knows how Spanish banks decide.
- Eligibility check before you commit to a property, based on your income and country of residence.
- Offers from several Spanish lenders, compared by total cost, not just the interest rate.
- Step-by-step guidance on NIE, bank account, valuation and the binding offer (FEIN).
- Signing support, in person or through a power of attorney if you cannot travel.
Documents usually needed
- Passport and NIE
- Proof of income from your country of residence
- Recent tax return and bank statements
- Credit report from your country, if available
Questions I hear every week
Something else on your mind? Message me and I will answer personally.
Can non-residents get a mortgage in Spain?
Yes. Spanish lenders offer mortgages to non-residents, usually with a lower loan-to-value than for residents and with checks on your income in your home country.
Do I need a NIE before applying?
You will need a NIE to complete the purchase and the mortgage. I can tell you how to get it and when in the process it is needed.
Do I have to be in Spain to sign?
Not necessarily. Signing can be done through a power of attorney granted in your country or at a Spanish consulate.
Are your services regulated?
Yes. Mortgage intermediation in Spain is regulated by Law 5/2019 and requires registration with the Bank of Spain. My registration number is shown at the bottom of every page.
Let’s start with a free assessment
Tell me about your plans in two minutes. I reply personally, usually within 24 hours, in English.