A decade of getting Spanish mortgages done properly
Foxes is a team of brokers and Spanish lawyers working under one roof in Marbella. We’ve been helping international buyers finance property in Spain since 2015, regulated by the Bank of Spain since the start.
Regulated By Bank of Spain
Registration number D470.
We’re regulated and insured for both our mortgage and legal services, and the team completes refresher training every year to stay current with Spanish lending and conveyancing law.
It’s a higher bar than most brokers operate under, and it’s the bar we wanted from day one.
How Foxes started
Foxes was set up in 2015 as a legal firm helping Spanish property owners claim back overpaid interest from their banks under the cláusula suelo ruling. We won a lot of cases. We also saw, again and again, how badly customers had been treated by their original brokers, estate agents, and lenders. Mortgages oversold. Fees buried. Terms nobody had bothered to explain.
In 2017 we expanded into mortgage broking, property conveyancing, immigration, and business services. By 2018 we were using our bank relationships to secure better deals for our own clients, and doing it differently: every term explained, every fee on the table, every question answered before it became a problem.
Ten years on, we’re still doing the same thing. Just for more people, in more countries, with more lenders on speed dial.
Why clients choose us
Most mortgage brokers in Spain are just brokers. Most Spanish lawyers are just lawyers. We do both, on the same team, and that changes how the process feels.
When your broker and your lawyer talk to each other every day, things stop falling through cracks. The mortgage offer matches what’s actually in the purchase contract. The valuation aligns with what the notary needs. The completion date doesn’t slip because two firms are waiting on each other.
For our clients, that means one point of contact, one team accountable, and a process that moves at the pace it should. For us, it means we can stand behind the full transaction, not just our slice of it.
understanding which bank will give the best deal to our customers is a priority
Christopher Beall
Broker / Foxes.es
has spent a large part of her career in court fighting for justice.
Alejandra Palmero Labrac
Spanish lawyer at Foxes.es
buying a property in Spain should not be hard, we aim to simplify the process
Mathew Marsden
Marketing team at Foxes.es
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Foxes are regulated by the bank of Spain. Registration number D470
No Upfront Fees.
There is no charge to get an official offer from a lender.
Once you accept an offer we charge €1,500 + IVA. and on completion of the binding paperwork 0.5% of the total mortgage amount +IVA. Our service includes help with all contracts, organising the valuation and bank account set-up.
There are no other hidden fees & charges.
The Foxes legal team can help with all aspects of property purchase in Spain and are English & Spanish speaking, friendly, professional and reliant!
The team are regulated by the Madrid bar association.
Property purchase
1% of the purchase price + IVA (minimum €2,500)
Utility Change/Connection
€499 + IVA
Sale of property
0.8% of the sale price + IVA (minimum €2,500)