Your Spanish mortgage application, done properly, at your own pace.
Applying for a mortgage in Spain is different from home. Our online application walks you through it step by step, asks only what a Spanish bank actually needs, and saves as you go so you can stop and pick up any time. A regulated adviser reviews every one personally.
Free and no obligation. There is no fee until a bank issues you a formal mortgage offer.
How a mortgage application works in Spain
Spanish banks lend against the property and assess you on their own criteria, which are not published and differ bank to bank. The application is where they decide, so getting it right and complete matters. Here is the shape of it.
You apply, we place it
You complete one application with us. We know which Spanish banks take which profiles, so we send it to the ones likely to say yes, rather than you applying blind.
The bank assesses you
They look at your income, your existing debts (capped at 40% of net income), your deposit, and your credit history at home. Non-residents typically borrow 60 to 70% of the price.
Offer, then completion
A valuation, then a binding offer (the FEIN), then signing at the notary. We handle the mortgage and, if you want, the legal side too, under one regulated roof.
Our application, step by step
Seven short steps. Most people finish the form in about fifteen minutes, and you never have to do it in one sitting.
About you
The basics: who you are, where you are tax resident, whether you are applying alone or with someone. Your NIE if you have one, no problem if not yet.
Income and employment
How you earn: employed, self-employed, director, retired. We ask for the figures a bank needs to check affordability, in your own currency.
Assets and commitments
Savings, other property, loans and cards. This is what sets your borrowing ceiling, so a quick, honest picture here saves surprises later.
The property
What you are buying, or your budget if you are still looking. Price, deposit, and whether you already have an agent or lawyer.
Your agreement
A short engagement to act for you, signed on screen. Plain terms, and a reminder that our fee is only due once you have a real offer.
Your documents
We build your document list from your answers, so you only see what applies to you. Upload from your phone or computer, one at a time.
Review and submit
See your borrowing estimate and check everything over, then submit. From there a named adviser takes it to the banks.
A live estimate of what you could borrow updates as you go, so you always know roughly where you stand.
Built to make it easy
The things that usually make a mortgage application painful, we designed out.
Save and come back any time
Everything saves automatically. Close the tab and we email you a secure link to carry on exactly where you left off, no password to remember.
Only the documents you need
Your document list is built from your answers and your country, so you never hunt for a paper that does not apply to you.
Add a co-applicant
Buying with a partner? Each person gets their own section, and one person's uploads never get muddled with the other's.
Not applicable? Say so
If a document genuinely does not apply to you, mark it not applicable with a quick reason and move on, rather than getting stuck.
Kept private and secure
Sensitive details like your passport and NIE are encrypted, and your information is only ever shared with the banks we match you to.
No chasing, no pressure
We do not phone-hammer you. You move at your pace, and a real adviser is there when you have a question.
What you will usually need
- Passport or national ID (and your NIE if you have one)
- Proof of income (payslips, or accounts and tax returns if self-employed)
- Recent bank statements
- Your latest tax document (a P60, a Modelo 100, or your country's equivalent)
- A credit report from your home country (everyone except Spanish tax residents)
- Proof of your deposit funds
The application shows you the exact list for your situation, so this is only a guide.
What happens after you submit
- 1A named, Bank of Spain regulated adviser reviews your application personally.
- 2We match you to the Spanish banks most likely to lend on your profile and negotiate the rate.
- 3You get a clear picture of what you can borrow and on what terms, with no obligation.
- 4If you proceed, we guide you through valuation, the binding offer, and completion at the notary.
Our broker fee is only due if and when a bank issues you a formal mortgage offer.
Ready when you are.
It takes a couple of minutes, and everything saves as you go.
New application
Answer a few questions at your own pace, and a regulated adviser takes it to the banks.
Start your applicationAlready started?
We email you a secure link, no password, to sign in and pick up where you left off.
Sign in to continue