Mortgages for non-residents
Making Spanish mortgages simple.
Expert mortgage guidance for international buyers. From first enquiry to receiving your keys, we make buying property in Spain feel like coming home.
Mortgages for non-residents
Expert mortgage guidance for international buyers. From first enquiry to receiving your keys, we make buying property in Spain feel like coming home.
Your dream. Our mission.
We know Spanish lending inside out, and we work the way international buyers expect. That's the whole idea.
Let's Make It Happen →Honest advice, every step of the way.
Access to 15+ Spanish lenders, not just one.
We treat your goals like our own.
Get in touch
Book a free, no-obligation consultation. However you're getting started, reach out in whichever way suits you best.
The mortgages we arrange, and the simple path to securing one.
Financing for non-residents buying anywhere in Spain, up to 70% loan-to-value.
Learn more →Building your own home? Staged finance, guided through Spanish requirements.
Learn more →We learn your situation and send a quote with one to three options tailored to your case.
We compile all the paperwork the banks will need for your application.
We present your case in its best light and secure an official written pre-approval.
We connect you with the bank and support you all the way through to close.
Your assessment and mortgage quote are completely free. If you proceed, there are just two fees: a sign-up fee, refunded in full if we can't secure your pre-approval, and a success fee, due only once that pre-approval is issued.
A full review of your situation and a written mortgage quote, at no cost and no obligation.
Refunded in full if we can't secure your official pre-approval.
Based on your mortgage amount, charged once your pre-approval is issued. No pre-approval, no fee.
Move the sliders to estimate your monthly payment and the cash you would need at closing. When you are ready, an adviser can turn the estimate into a personalised quote.
Why Viva Mortgages Spain?
Buying property abroad shouldn't feel overwhelming. We arrange Spanish mortgages for non-residents every day. Our team speaks your language, finds the right lenders, handles the paperwork, and keeps you informed the whole way.
You get a mortgage quote within 48 hours, and a written pre-approval within 14 days of your documents being submitted in full. And if we don't deliver, our money-back guarantee applies.
More about us →Your home. Your life. Your Spain.
Bank independent. Client focused.
We help you finance your place in the sun.
Clients around the world
Ready to take the next step?
Book a no-obligation consultation with our mortgage experts.
Book a consultation →For professionals & partners
Are you an estate agent, lawyer, or property professional working in Spain? Join our network to give your buyers fast, reliable financing, and earn 20% commission on successful referrals.
Common questions
Deposits, documents, rates, taxes. The answers international buyers actually need.
View all FAQs →Find your nest in Spain
Book a free consultation with our team. We'll look at your situation and tell you exactly what's possible. No obligation.
Book a Free Consultation →
