Honest, factual advice for Mortgages in Spain
Buying property in another country is stressful enough, without also obtaining confusing mortgage advice. We will guide you from initial financial assessment through to completion, so you know exactly what you can afford and what a lender will actually approve- Before you make an offer.
Spanish Mortgage advice
IMS has been arranging Spanish Mortgages since April 2002, as one of the first firms of our kind based in Spain. Providing advice and placement of mortgages for non residents.
We worked directly with Spanish Banks at board level to help shape how the non resident mortgage market works today.
Regulation has since brought the process in line with EU standards. Further improving the application process and its transparency.
A few things we pushed for early on are now standard practice
- Getting mortgage applications fully underwritten before a client pays for a valuation.
- Making sure banks properly assessed risk and provided a financial approval, before a client committed to a property.
- Use of credit files and official documents to verify incomes and outgoings. Speeding up and improving the approval process.
Get in touch for a straightforward, personalised assessment. Contact us today. We will respond within 24 hours.
Our track record
Over the years we have completed on more than half a billion euros of lending. Making us one of the most experienced and long standing Spanish mortgage Brokers in Spain. Several advisers who trained with us early on are still working in the market today.
We are proud of the fact we have retained our advice rather than transactional focus.
We are a small team of experienced professionals. All our clients are dealt with by the owners of the business rather than passed to commission driven advisers.
Awards:
- Winners of Mortgages in Spain Experts of the Year 2021
- Winners of Best Spanish Mortgages and Recognized leader in Customer Service – Spain 2015
None of our clients have ever lost their deposits. Nor did they sign deeds with minimum floor rates, even when this was an allowable common practice.
We specialise in Non Resident or foreigner Spanish Mortgages. Providing services for non fiscal residents of Spain. Including Spanish Citizens living abroad.
Contact us today for an intial assessment
Why choose IMS
Having been in this market for over two decades, we’ve built bank relationships that let us negotiate terms clients often can’t secure by applying direct.
We’ve completed on mortgages ranging from €40k to €8 million. While we welcome clients of all budgets, we specialise in:
- Mortgages in Spain for self-employed individuals
- Financially complex applicants
- Spanish loans in excess of €500k
We don’t spend money on fancy offices or slick marketing, and we pass those savings on to clients through lower fees.
All Spanish mortgage applications for financial approval are submitted on a no-cost, no-obligation basis. A fee only applies once we’ve delivered an approval our clients are happy with.
Our fee is a flat amount rather than a percentage of the loan — ranging from €1,200 to €2,500 for a purchase mortgage, depending on loan size and the complexity of the application.
Applications are submitted under Bank of Spain registration D134.
Latest Mortgage News – Euribor and Spanish bank updates
We are constantly keeping ourselves up to date with the Spanish mortgage market conditions. Read our most current articles today.
- The 12 month Euribor for Mortgages in Spain has seen a small increase in August. For reviews and completions in August 2026 the 12 month Euribor is 2.855%. A rise of 0.06% over July. The Euribor is also above last years levels. Due to an ECB base rate increase in June.
- Caixa Bank increases maximum term of mortgage to age 80 years.
- UCI increases loan to value to 75% for non resident applicants. Check the terms and conditions in our blog article October 2025.
- June 2026. Abanca removes redemption penalty free fixed rates. However retains 0% Bank arrangement fees.
- January 2026 Caixa bank removes fixed rates for loans above 500k.
- Regulation for Spanish Banks implemented June 16th 2019 in Spain. Read about the key changes
Spanish Mortgage Information Centre and Our Services
Budget analysis and bank recommendation — We’ll help you understand how Spanish mortgages work, and confirm exactly what you can borrow from a Spanish bank. What you can borrow directly impacts the purchase price you’re able to pay.
Spanish mortgage applications — Professionally packaged applications, handled in line with current regulatory guidelines and managed by a qualified professional throughout. We’ll secure the most cost-effective terms and conditions, along with the highest loan-to-value available, based on current market conditions in Spain.
Resolution of previously rejected applications — If you’ve previously been turned down for a mortgage in Spain, or you’ve been left waiting an unreasonable amount of time for a decision, we may be able to help. We’ll search the market on your behalf — so if you’re unhappy with the terms of a direct application you’ve already made, we can work to improve on them, finding the best possible outcome in the shortest possible time.
Understanding your Mortgage in Spain and the link to the purchase process
With many years of experience in the Spanish mortgage market, we’re with you at every step of the application process. Our first priority is helping you find the best buys and the most suitable loan for your circumstances. Just as importantly, we draw on our experience to ensure you’re fully protected throughout the application process — working with us means regulated services at every stage, and we hold all our providers to the highest standards of speed and efficiency. From initial guidance through to completion, our service is built around protecting your interests.
When working with us, you’ll always be kept informed, with regular updates provided automatically. We’ll let you know exactly when it’s safe to release deposit funds, and our experience working efficiently with all parties involved means you can secure the home of your dreams safely and with confidence. Everything you need to know about Spanish mortgages is explained clearly and in full — so you’re never left in the dark.
Winners of the Acquisition International worldwide finance award 2021
- Mortgages in Spain Experts of the Year 2021
Real Estate & Property Award 2015
- Quality Spanish mortgage advice in Spain
- Recognized leader in Customer Service – Spain
Our blog articles
Latest updates on Spanish mortgages
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Documents required
Spanish banks require certain documentation to evaluate a mortgage. Loans are not offered without the minimum required documentation or with self-certification. All Spanish mortgages are full status.
Self Build loans Spain
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Testimonials
Feedback from clients
When i found IMS i had been having nightmares trying to arrange a mortgage and had already been turned down several times, despite earning a good income as a self employed trader it was proving extremely difficult.
IMS where hugely helpful in advising on options to make this a possibility, and as the country i was buying in was unknown to me, the help in translating and communicating with relevant parties would have been near impossible without this assistance.
Working With Ravena who was hugely helpful in accommodating my extremely limited knowledge of acquiring a mortgage in Spain, i was taken through the whole process, without ever feeling like i was imposing despite dozens of back and forth communications.
Finally the property was completed and Ravena made sure that, i was taken care of until the keys where in my hands.
Would highly recommend, and wish id started the whole process with IMS.
Stephen Walker
Personal Trainer and speaker