Better Deals & Faster Approvals
Simple and cost-effective. Foxes Mortgages is changing the way customers are treated by Spanish banks, and ensuring they get the best deals. Let’s get started…
better rates than the high street…
My Score
Use the sliders – add your information to work out what you can afford to borrow and how you score
Mortgage Calculators
Various mortgage calculators to calculate payments, costs and other relevant fees associated with a Spanish mortgage
Secure Application
100% Paperless applications with a secure online login for all applicants
process
What is the process to securing a mortgage?
Complete application
Submit the relevant details the bank requires and your personal mortgage advisor will start the process with the banks
Receive offers
Depending on your circumstances you will receive a series of offers within a few days, and can make a decision on which to choose.
Legal checks and signature
Some Important Questions Answered
Documentation, what you can borrow etc
How much can I borrow?
We have an in-house risk assessment team, that can help you understand what you can borrow. Get in touch here
Is there a fee to find out what I can borrow?
Does age effect the loan period?
What is the maximum LTV (Loan to value)?
Up to 80% for Spanish residents
The value of the loan will be based on the property valuation or the property price, whichever is lower.
Can I release equity from my Spanish property?
What documents do the banks require?
- Copies of your Passport / NIE (for all parties that will be on the mortgage)
- Your most recent tax declaration or P60
- Your last three payslips
- Details of other properties you own including any potential rental income
- A bank statement of the last 6 month
- An Experian credit report
Non-Resident Mortgages
If you a resident of a country other than Spain, then you can generally borrow up to 70% of the value of the property.
List of documents required to begin to apply for a mortgage in Spain.
- Copy of your Passport / NIE
- Most recent tax declaration / P60, 1040 etc
- Last 3 payslips
- Bank statement showing last 6 months movements
- Details of properties you own including any potential rental income
- An Experian credit report (UK Residents)
Resident Mortgages
If you a resident of Spain, then you can borrow up to 80% of the value of the property. Sometimes higher, but as a rule most banks will offer a maximum of 80%.
Below is a list of the documents you will need to provide in order to apply for a mortgage as a resident.
- Passport / NIE
- Declaration de renta
- Last three payslips
- Bank statement showing last 6 months movements
- Details of other properties you own including any potential rental income
Best Mortgage Brokerage Service
The experience of getting mortgage couldn’t be easier with Christopher,
He explained what to expect and within a week I received the mortgage approval with a decent terms.
I already recommended Foxes for my friend and would happily recommend them to anyone.
Ahmed Kamal
Do not even try without them
I could write pages here about how polite, professional, quick, nice and amazing the whole team. But here is the short version: do not even try without them!
They literally carried the purchase process on their back from the start until the finish, through legal, mortgage, seller and all other kind of issues, sorting out every single obstacle.
Every cent we paid for their services was one of the best investment of our life.
We cannot thank you enough Alejandra, Cristina and Chris, you made our dream become reality, without you this would not have been possible!
Gabor
Experts on your side
We are a professional team of mortgage and legal experts. Approachable, transparent, fearless and regulated by the Bank of Spain.
Can we meet?
Are you regulated?
Yes, we are regulated by the bank of Spain as well as by the Madrid and Malaga Bar associations
Will I need documentation?
Yes. In order to receive an offer from the bank you will need to send us some documentation. You can do this through our online application system.
How much experience do we have?
advice & help
click the button for mortgage, legal & property help