Spanish mortgage broker for international buyers
Spanish mortgage broker for international buyersMortgages in Spain for non-residents — approved the easy way
Get up to 70% financing and full support from an English-speaking team. We compare the banks, handle the paperwork and stay with you from property search to the notary.
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Native English-speaking advisors¿Hablas español? Ver hipotecas para no residentes en español
Trusted by international buyers
Clients from the UK, Europe, the USA and Latin America have bought their home in Spain with us.
UK
Ireland
Netherlands
Germany
Belgium
USA
Argentina
Mexico
Native UK advisor
Talk directly with a native English-speaking advisor who knows what international buyers need.
All major Spanish banks
We work with the main Spanish lenders and banks specialised in non-resident mortgages.
Over a decade with non-residents
We have been financing international buyers in Spain for more than ten years.
One team, full control
Mortgage, property checks, deposit contract and completion, all managed by us.
Buying in Spain as a foreigner is not easy
Many banks turn down non-residents or offer them poor conditions. We make sure you get the best mortgage possible.
Mortgages up to 70%
Competitive financing for non-resident buyers, negotiated with several banks.
Banks and paperwork handled
We prepare your file, deal with the banks and manage all the documents.
Native English-speaking advisors
Clear answers in your language at every step, with no surprises.
Property search included
Through our partner VerticalShopHomes we find the property you are looking for.
One trusted partner
A single team from financing to the keys of your new home.
We control the whole process
Too many foreign buyers have been misled when buying in Spain. With us, one team you can trust manages every step.
Step 1
We find your property
With our partner VerticalShopHomes we search for the home you want, anywhere in Spain.
Step 2
We check it
We review the land registry extract (nota simple) so you know the property is free of charges and legally sound.
Step 3
We secure it
We prepare and review the deposit contract (contrato de arras) to protect your money.
Step 4
We finance it
We negotiate your mortgage with the banks and manage the whole approval.
Step 5
We complete with you
We accompany you at the notary for the purchase deed and the mortgage signing.
Property, legal checks and financing under one roof: no surprises, no hidden agendas.
Tell us what you are looking for
Mortgages without mandatory insurance
We negotiate mortgages where you are free to choose your insurance, without the usual 1% interest penalty. Example: €100,000 over 20 years.
Traditional bank
With mandatory products
Mandatory insurance
They make you buy their insurance, usually more expensive.
Up to +1% penalty
Your interest rate goes up if you switch insurer.
No flexibility
You stay tied to their products for years.
Extra cost
Over €12,000 more in interest in this example.
€605.98/month
Payment with the penalised rate (4%)
MJ Gestores
No abusive ties
Freedom to choose your insurance
Pick your insurer freely from year one.
No penalties
Your interest rate stays the same if you switch insurer.
Maximum flexibility
Change or cancel your policies whenever you want.
Real savings
Over €12,000 less in interest in this example.
€554.60/month
Payment without penalties (3%)
Your savings in this example
€51.38
Monthly savings
€616
Annual savings
€12,331
Total savings over 20 years
Illustrative calculation with a French amortisation schedule. Actual savings depend on your loan and each bank’s conditions.
Non-resident mortgage requirements in Spain
What Spanish banks usually ask for, and what you should budget for.
Documents you will need
Documents you will need
Identification
Valid passport and Spanish NIE (foreigner identification number). We help you obtain it.
Proof of income
Payslips or accounts from your country of residence, translated and apostilled where required.
Financial standing
Recent bank statements and tax returns from your country of residence.
Property documents
Purchase or deposit contract, land registry extract (nota simple) and official valuation.
Typical financial conditions
Typical financial conditionsFinancing
Up to 70%
of the valuation for non-residents (up to 80% for temporary residents with income in Spain)
Your contribution
From 30%
of the valuation, plus purchase taxes and costs (around 10-12% of the price)
Indicative conditions. Final approval depends on each bank and on your financial profile.
Modern offices. International team.
Meet the people who will take care of your mortgage and your purchase in Spain.
Modern offices
Our team
Personal service
Non-resident mortgage FAQ
Answers to the questions international buyers ask us most.
Can non-residents get a mortgage in Spain?
Yes. Spanish banks lend to non-residents from the UK, the EU, the USA and many other countries. The conditions are stricter than for residents, so it pays to present your application to the right banks. That is exactly what we do.
How much can I borrow as a non-resident?
Banks usually finance up to 70% of the purchase price or valuation (whichever is lower) for non-residents. You will need to contribute at least 30%, plus purchase taxes and costs of around 10-12% of the price.
What documents do I need?
A valid passport, your Spanish NIE, proof of income from your country of residence, recent bank statements and tax returns. Some documents need an official translation and an apostille. We tell you exactly what your bank will ask for.
Do I need an NIE to buy property in Spain?
Yes. The NIE (Número de Identificación de Extranjero) is required to buy property and sign a mortgage in Spain. We guide you through the application.
Can I get a mortgage without the bank’s insurance?
Yes. Spanish law (Law 5/2019 on real estate credit) prohibits banks from forcing you to buy their products to grant the mortgage. The only mandatory policy is buildings insurance, and you can take it out with any insurer. We negotiate mortgages without the usual interest penalty for choosing your own insurance.
How long does the process take?
Once we have your complete documentation, bank approval usually takes 3 to 4 weeks, and completion at the notary typically happens within 4 to 8 weeks.
Can you help me find a property?
Yes. Through our partner VerticalShopHomes we find the property you want, check it legally, prepare the deposit contract and accompany you to completion, so the whole purchase is under control.
What are your fees?
Your initial assessment is free and without obligation. We only charge if we get your mortgage approved, and we tell you our fees before we start.
Ready to buy in Spain?
Tell us about your plans and our English-speaking team will get back to you quickly, with no obligation.
+34 602 244 240info@mjgestores.es · Monday to Friday, 9:00-18:00 (CET)
