“IMS know its important to get factual, honest, reliable information when considering Mortgages in Spain
We will help you understand the complexities of the Spanish mortgage market. Support and guide you through the entire process, from initial financial assessment through to completion. We are advice focussed to ensure you can make informed decisions, on selection of the right product for your requirements. Our personalised services for a mortgage in Spain, means you will be fully prepared to make an offer and complete a purchase, with safety and security.
Spanish Mortgage advice
IMS has been arranging Spanish Mortgages since April 2002. We were one of the first organisations based in Spain. Providing advice and placement of mortgages for non residents.
Working at Board level with the Spanish Banks we were instrumental in shaping the Non resident market as it is today.
Since then regulation has further improved the application process and brought it in line with EU standards.
- We were the first to insist that our clients mortgage applications were fully underwritten before the cost of a valuation was required.
- Ensured Banks understood the importance of risk assessed financial approval prior to property selection.
- We educated the Spanish Banks on the use of credit files and official documents to verify incomes and outgoings. Speeding up and improving the application process.
For straightforward and concise advice. Also a personalised initial assessment. Contact us today. We will respond within 24 hours.
Applications submitted under Bank of Spain registration D134.
History of IMS Mortgage Advisers
Over the years we have completed on more than half a billion euros of lending therefore making us one of the most experienced and long standing Spanish mortgage Brokers in Spain. In addition we initially trained a number of advisers who still operate 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 commission driven advisers.
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.
- Winners of Mortgages in Spain Experts of the Year 2021
- Winners of Best Spanish Mortgages and Recognized leader in Customer Service – Spain 2015
Contact us today for an intial assessment
Why choose IMS for mortgages in Spain
We provide a bespoke personalised service.
Our longevity in the Spanish Mortgage market means we hold strong Bank relationships built up over many years. Consequently enabling us to provide our clients with product terms and conditions not always available direct from the Banks.
Whilst we welcome all clients, no matter what their budget we are experts in the following areas.
- Mortgages in Spain for Self Employed individuals
- Financially complex applicants
- Spanish loans in excess of 500k
We don’t have fancy offices nor spend lots of money on slick marketing allowing us to keep our costs low and pass this on to clients by way of lower fees.
All Spanish mortgage applications for financial approval are made on a no cost and no obligation basis. Only when we have delivered an approval, that our clients are happy with, does any fee apply.
In addition our broker fee is a set amount, not a percentage of the loan amount. Nor do we charge any application fee.
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.
- Lender increases loan to value to 75% for non resident applicants. Check the terms and conditions in our blog article October 2025.
- The 12 month Euribor for Mortgages in Spain dropped slightly in July. The 12 month Euribor for July 2026 reviews and completions is 2.798%. Down from 2.804% in June 2026. The Euribor however is above last years levels. Due to an ECB base rate increase in June.
- Rates from 0.75% above euribor or 2.5% fixed for the full term.
- New product available for residents and expats in Kuwait, Bahrain and Omar
- Spanish Bank offers currency mortgages for certain nationalities. In addition raises maximum age to 80 years.
- Andalucia region retains purchase tax discounts indefinitely.
- 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 will help you understand Spanish Mortgages and how they work. Confirm for you what you can borrow from a Spanish Bank . What you can borrow impacts on the purchase price you can pay.
Spanish Mortgage applications – Professionally packaged applications. Services undertaken within current regulatory guidelines. Your application will be managed by a qualified professional. In addition we will obtain the most cost effective terms and conditions, also highest loan to value, according to current market conditions in Spain.
Resolution of previously rejected applications – We may be able to help if you have previously been rejected for a mortgage in Spain. Let us assist you if you have been waiting an unreasonable time for an answer from a Bank. We are able to search the market on your behalf. Therefore if you are unhappy with the terms of a direct application you have made, we can look to improve this. We will search the rest of the market to gain a successful outcome. Above all in the quickest possible times.
Understanding your Mortgage in Spain and the link to the purchase process
With many years of experience in the Spanish mortgage market, we always inform and guide you through the application process. Firstly our aim is to help you find the best buys and most suitable loan in Spain possible. Most importantly we will use our experience of Mortgages in Spain, to ensure you are protected throughout the application process . Consequently when working with us, regulated services are provided at all times. We will therefore ensure all our providers work to the highest possible standards of speed and efficiency. In conclusion, from initial guidance through to completion, our service ensures your interests are protected.
When working with us for obtaining a mortgage in Spain, you can be sure you will be kept informed at all times. Regular updates are automatically provided. When it is safe to pass over deposit monies we will advise you. Moreover we are used to working efficiently and effectively with all linked parties. You can therefore secure the house of your dreams with safety and security. Everything you need to know about Spanish Mortgages, is explained in detail. Finally all information will be provided in a clear and concise manner.
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
Buying Real Estate
with a Mortgage in Spain
Currency exchange services
Get the best possible exchange rates and expert advice on the optimal time to make transfers based on market conditions.
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
Are you considering buying land and building your own home? Find out about the financing options available and at what stage of the project you can obtain the funds.
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