How we work.

We listen first. Tell us where you want to buy, your budget, your income and your timeline, and we assess your situation against real Spanish lending criteria, not guesswork. Within 48 hours you receive a written mortgage quote setting out how much you could borrow, the likely rate and monthly cost, and one to three options shaped around your particular case, whether that means the lowest rate, the highest loan-to-value, or the simplest path to approval. It is completely free, with no obligation to go further.

Spanish banks are precise about paperwork, so we tell you exactly what each lender needs and compile it all for you: proof of income, tax returns, bank statements, ID and your NIE number. If something is missing, we help you get it, including arranging your NIE if you don't have one yet. Because everything is prepared correctly and presented the way lenders expect, your application moves faster and hits far fewer snags later on.

This is where our relationships with 15+ Spanish lenders count. We present your case in its best light, put it in front of the banks most likely to say yes, and negotiate the terms on your behalf. Once your documents are submitted in full, you receive an official written pre-approval, usually within around 14 days. That gives you a clear budget and real negotiating power when you make an offer, because sellers know your financing is genuine.

With pre-approval in hand, we connect you directly with the bank and stay alongside you through every remaining step: the property valuation, the formal mortgage offer, and the signing at the notary. From application to completion typically takes 4 to 8 weeks. We coordinate with the bank, your lawyer and the notary so nothing falls through the cracks, and we remain reachable long after you collect the keys. Welcome home.