Exclusive Mortgage Advisory for International Property Buyers in Spain
Eliminate uncertainty and complexity when securing a mortgage. We provide clarity, expert guidance, and access to the best financing solutions for your property purchase.
Exclusive Mortgage Advisory for International Property Buyers in Spain
Eliminate uncertainty and complexity when securing a mortgage. We provide clarity, expert guidance, and access to the best financing solutions for your property purchase.
Mortgage Simulator
Accesible banks
Accesible banks
Interest rate saving
Interest rate saving
Pre-approval rate
Pre-approval rate
Recommend us
Recommend us
Clients we serve
End-Users
End-Users
End-Users
Investors
Investors
Investors
Companies
Companies
Companies
Property purchase
Property purchase
Property purchase
Refinance
Refinance
Refinance
Construction & Renovation
Construction & Renovation
Construction & Renovation
Our mortgage services
Our mortgage services
Clients we serve
End-Users
Investors
Companies
Property purchase
Refinance
Construction & Renovation
Our mortgage services
The mortgage process
While every mortgage process is unique, the process generally follows these five key steps.
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
01
Prequalification
In a 30-45 minute consultation, we conduct a comprehensive assessment of your financial profile, discuss your objetives and outline a tailored mortgage strategy. We also walk you through key requirements, potential financing structures and next steps to ensure clarity and confidence throughout the process.
02
Documentation
03
Pre-approval
04
Valuation
05
Review & sign
01
Prequalification
In a 30-45 minute consultation, we conduct a comprehensive assessment of your financial profile, discuss your objetives and outline a tailored mortgage strategy. We also walk you through key requirements, potential financing structures and next steps to ensure clarity and confidence throughout the process.
02
Documentation
03
Pre-approval
04
Valuation
05
Review & sign
01
Prequalification
In a 30-45 minute consultation, we conduct a comprehensive assessment of your financial profile, discuss your objetives and outline a tailored mortgage strategy. We also walk you through key requirements, potential financing structures and next steps to ensure clarity and confidence throughout the process.
02
Documentation
03
Pre-approval
04
Valuation
05
Review & Sign
01
Prequalification
In a 30-45 minute consultation, we conduct a comprehensive assessment of your financial profile, discuss your objetives and outline a tailored mortgage strategy. We also walk you through key requirements, potential financing structures and next steps to ensure clarity and confidence throughout the process.
02
Documentation
03
Pre-approval
04
Valuation
05
Review & sign
Avoid Pitfalls with Our Expertise
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Uncertainity in the Mortgage Process
We provide expert guidance on financing options, requirements and the mortgage process—ensuring full transparency, clear expectations on timing, and a structured approach so you always know what to expect and how to move forward.
Delays, Rework & Wasted time
Our structured approach prevents delays, eliminates unnecessary rework and streamlines lender communications. We plan each step in advance, ensuring a smooth process while proactively addressing potential roadblocks to avoid setbacks and inefficiencies.
Unexpected fees & hidden costs
We help you identify and anticipate all costs throughout the mortgage process, ensuring full transparency so you can make informed decisions. From transaction fees to taxes and foreign exchange costs, we proactively assess potential expenses and provide solutions to minimize their impact.
Long-term Costs Risks & Surprises
We ensure you have full visibility of all potential charges—such as interest rate adjustments, mandatory insurance, taxes and administrative fees—from day one. This allows you to plan head effectively and avoid unexpected financial burdens.
Partner with Altavista or a directly with a lender?
Discover why you should partner with Altavista Finance if you want to invest in a property.
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Access +15 lenders through a single point of contact.
Expert team with extensive mortgage experience.
Independent & impartial advise tailored to your needs.
Customized mortgage solutions designed around you.
End-to-end guidance for a seamless experience
VS.
Direct lender
Direct lender
Direct lender
Direct lender
Application handled separately with each lender.
Advice limited to the lender's own products and policies.
Support limited to the lender's available services.
Mortgage terms set by each bank's criteria.
Guidance provided within lender procedures,
What we do
We secure market-leading property financing solutions tailored to the needs of non-residents, investors and legal entities looking to purchase, refinance or develop property in Spain.
Our approach is built on expertise, independence and relationship—ensuring that every clients receives personalized advice, access to a wide range of lenders, and seamless mortgage execution.
With an established reputation in the industry, Altavista Finance brings together top-tier mortgage professionals to navigate complex financing scenarios and deliver efficient solutions for our clients worldwide.
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Trusted by Buyers Worldwide
Discover why international buyers trust us with their peoperty financing.
Real Experts
Cesare - Hong Kong
Altavista Finance are not only experts but also genuinely care about getting the best deal. They guided us through every step of the process, making everything clear and easy to understand. Thanks to their professionalism, everything was much smoother than we expected. We couldn't recommend him more!
Clear and transparent
Jose - Mexico
Completely transparent service. AVF gave me the honest advice i needed to make the right choices. As newcomer to Spain, I had a lot to figure out, but they made the whole process smooth and stress-free.
Professional, but friendly
Rodrigo - Argentina
Amazing experience.. The team knows the Spanish market inside and out, and was always happy to answer our questions. Even though the mortgage process seemed overwhelming, its friendly approach and expertise made everything so much easier. We felt supported the whole time!
An Invaluable Service
Barbara - UK
I have no idea how i would have secured my mortgage without Altavista. I have a demanding job and a somewhat complex financial situation as a foreigner, but they took care of everything, keeping me informed and guiding me through every step until we achieved an excellent result. Absolute recommendation!
The Best Mortgage Experience
Matias - UAE
We were referred to Altavista Finance after a bad experience with another broker, and we couldn't be more grateful. They are always clear, efficient and quick to respond to our questions, making sure we secure an excellent mortgage. We highly recommend him and will definitely work with them again in the future.
Altavista Finance to the Rescue
Daniel - Brazil
AVF helped us navigate a complicated refinancing process and managed to secure us an excellent deal. Despite the obstacles, they made sure everything went smoothly. Without a doubt, we will rely on their help again in the future.
Real Experts
Cesare - Hong Kong
Altavista Finance are not only experts but also genuinely care about getting the best deal. They guided us through every step of the process, making everything clear and easy to understand. Thanks to their professionalism, everything was much smoother than we expected. We couldn't recommend him more!
Clear and transparent
Jose - Mexico
Completely transparent service. AVF gave me the honest advice I needed to make the right choices. As newcomer to Spain, I had a lot to figure out, but they made the whole process smooth and stress-free.
Professional but friendly
Rodrigo - Argentina
Amazing experience. The team knows the Spanish market inside and out, and was always happy to answer our questions. Even though the mortgage process seemed overwhelming, its friendly approach and expertise made everything so much easier. We felt supported the entire time!
An Invaluable Service
Barbara - UK
I have no idea how I would have secured my mortgage without Altavista. I have a demanding job and a somewhat complex financial situation as a foreigner, but they took care of everything, keeping me informed and guiding me through every step until we achieved an excellent result. Absolute recommendation!
The Best Mortgage Experience
Matias - UAE
We were referred to Altavista Finance after a bad experience with another broker, and we couldn't be more grateful. They are always clear, efficient and quick to respond to our questions, making sure we secure an excellent mortgage. We highly recommend him and will definitely work with them again in the future.
Altavista Finance to the Rescue
Daniel - Brazil
AVF helped us navigate a complicated refinancing process and managed to secure us an excellent deal. Despite the obstacles, they made sure everything went smoothly. Without a doubt, we will rely on their help again in the future.
Real Experts
Cesare - Hong Kong
Altavista Finance are not only experts but also genuinely care about getting the best deal. They guided us through every step of the process, making everything clear and easy to understand. Thanks to their professionalism, everything was much smoother than we expected. We couldn't recommend him more!
Clear and transparent
Jose - Mexico
Completely transparent service. AVF gave me the honest advice I needed to make the right choices. As newcomer to Spain, I had a lot to figure out, but they made the whole process smooth and stress-free.
Professional but friendly
Rodrigo - Argentina
Amazing experience. The team knows the Spanish market inside and out, and was always happy to answer our questions. Even though the mortgage process seemed overwhelming, its friendly approach and expertise made everything so much easier. We felt supported the entire time!
An Invaluable Service
Barbara - UK
I have no idea how I would have secured my mortgage without Altavista. I have a demanding job and a somewhat complex financial situation as a foreigner, but they took care of everything, keeping me informed and guiding me through every step until we achieved an excellent result. Absolute recommendation!
The Best Mortgage Experience
Matias - UAE
We were referred to Altavista Finance after a bad experience with another broker, and we couldn't be more grateful. They are always clear, efficient and quick to respond to our questions, making sure we secure an excellent mortgage. We highly recommend him and will definitely work with them again in the future.
Altavista Finance to the Rescue
Daniel - Brazil
AVF helped us navigate a complicated refinancing process and managed to secure us an excellent deal. Despite the obstacles, they made sure everything went smoothly. Without a doubt, we will rely on their help again in the future.
Real Experts
Cesare - Hong Kong
Altavista Finance are not only experts but also genuinely care about getting the best deal. They guided us through every step of the process, making everything clear and easy to understand. Thanks to their professionalism, everything was much smoother than we expected. We couldn't recommend him more!
Clear and transparent
Jose - Mexico
Completely transparent service. AVF gave me the honest advice I needed to make the right choices. As newcomer to Spain, I had a lot to figure out, but they made the whole process smooth and stress-free.
Professional but friendly
Rodrigo - Argentina
Amazing experience. The team knows the Spanish market inside and out, and was always happy to answer our questions. Even though the mortgage process seemed overwhelming, its friendly approach and expertise made everything so much easier. We felt supported the entire time!
An Invaluable Service
Barbara - UK
I have no idea how I would have secured my mortgage without Altavista. I have a demanding job and a somewhat complex financial situation as a foreigner, but they took care of everything, keeping me informed and guiding me through every step until we achieved an excellent result. Absolute recommendation!
The Best Mortgage Experience
Matias - UAE
We were referred to Altavista Finance after a bad experience with another broker, and we couldn't be more grateful. They are always clear, efficient and quick to respond to our questions, making sure we secure an excellent mortgage. We highly recommend him and will definitely work with them again in the future.
Altavista Finance to the Rescue
Daniel - Brazil
AVF helped us navigate a complicated refinancing process and managed to secure us an excellent deal. Despite the obstacles, they made sure everything went smoothly. Without a doubt, we will rely on their help again in the future.
Real Experts
Cesare - Hong Kong
Altavista Finance are not only experts but also genuinely care about getting the best deal. They guided us through every step of the process, making everything clear and easy to understand. Thanks to their professionalism, everything was much smoother than we expected. We couldn't recommend him more!
Clear and transparent
Jose - Mexico
Completely transparent service. AVF gave me the honest advice I needed to make the right choices. As newcomer to Spain, I had a lot to figure out, but they made the whole process smooth and stress-free.
Professional but friendly
Rodrigo - Argentina
Amazing experience. The team knows the Spanish market inside and out, and was always happy to answer our questions. Even though the mortgage process seemed overwhelming, its friendly approach and expertise made everything so much easier. We felt supported the entire time!
An Invaluable Service
Barbara - UK
I have no idea how I would have secured my mortgage without Altavista. I have a demanding job and a somewhat complex financial situation as a foreigner, but they took care of everything, keeping me informed and guiding me through every step until we achieved an excellent result. Absolute recommendation!
The Best Mortgage Experience
Matias - UAE
We were referred to Altavista Finance after a bad experience with another broker, and we couldn't be more grateful. They are always clear, efficient and quick to respond to our questions, making sure we secure an excellent mortgage. We highly recommend him and will definitely work with them again in the future.
Altavista Finance to the Rescue
Daniel - Brazil
AVF helped us navigate a complicated refinancing process and managed to secure us an excellent deal. Despite the obstacles, they made sure everything went smoothly. Without a doubt, we will rely on their help again in the future.
Frequently
Asked Questions
Frequently Asked Question
Frequently
Asked Questions
Frequently
Asked Questions
We're here to make your mortgage journey smooth and transparent. Find answers to the most common questiones about securing property financing.
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Mortgage Simulator
Why work with Altavista Finance?
At Altavista Finance, we provide tailored high-end mortgage solutions for individuals, investors and legal entities purchaising property in Spain. Our team of experienced professionals offers independent, expert advice, guiding you throug every step of the financing process. Wheter you're a local resident or a international buyer, we ensure a seamless, transparent experience that align with your unique financial needs.
Why work with Altavista Finance?
At Altavista Finance, we provide tailored high-end mortgage solutions for individuals, investors and legal entities purchaising property in Spain. Our team of experienced professionals offers independent, expert advice, guiding you throug every step of the financing process. Wheter you're a local resident or a international buyer, we ensure a seamless, transparent experience that align with your unique financial needs.
Why work with Altavista Finance?
At Altavista Finance, we provide tailored high-end mortgage solutions for individuals, investors and legal entities purchaising property in Spain. Our team of experienced professionals offers independent, expert advice, guiding you throug every step of the financing process. Wheter you're a local resident or a international buyer, we ensure a seamless, transparent experience that align with your unique financial needs.
Why work with Altavista Finance?
At Altavista Finance, we provide tailored high-end mortgage solutions for individuals, investors and legal entities purchaising property in Spain. Our team of experienced professionals offers independent, expert advice, guiding you throug every step of the financing process. Wheter you're a local resident or a international buyer, we ensure a seamless, transparent experience that align with your unique financial needs.
How does Altavista structure its fees?
We operate on a Success Fee model, meaning you only pay if we successfully secure your mortgage. Our fees are competitive and tailored to each client's needs. We provide a transparent, upfront breakdown of all costs before any commitment is made, ensuring no surprises throughout the process.
How does Altavista structure its fees?
We operate on a Success Fee model, meaning you only pay if we successfully secure your mortgage. Our fees are competitive and tailored to each client's needs. We provide a transparent, upfront breakdown of all costs before any commitment is made, ensuring no surprises throughout the process.
How does Altavista structure its fees?
We operate on a Success Fee model, meaning you only pay if we successfully secure your mortgage. Our fees are competitive and tailored to each client's needs. We provide a transparent, upfront breakdown of all costs before any commitment is made, ensuring no surprises throughout the process.
How does Altavista structure its fees?
We operate on a Success Fee model, meaning you only pay if we successfully secure your mortgage. Our fees are competitive and tailored to each client's needs. We provide a transparent, upfront breakdown of all costs before any commitment is made, ensuring no surprises throughout the process.
How long does it take to get a mortgage in Spain?
The mortgage process typically takes 6 to 16 weeks, depending on several factors suchs as: How quickly the required documentation is gathered, the time it takes to find the right property or the lender's processing times. We will keep you updated at every step and ensure a smooth, efficient experience.
How long does it take to get a mortgage in Spain?
The mortgage process typically takes 6 to 16 weeks, depending on several factors suchs as: How quickly the required documentation is gathered, the time it takes to find the right property or the lender's processing times. We will keep you updated at every step and ensure a smooth, efficient experience.
How long does it take to get a mortgage in Spain?
The mortgage process typically takes 6 to 16 weeks, depending on several factors suchs as: How quickly the required documentation is gathered, the time it takes to find the right property or the lender's processing times. We will keep you updated at every step and ensure a smooth, efficient experience.
How long does it take to get a mortgage in Spain?
The mortgage process typically takes 6 to 16 weeks, depending on several factors suchs as: How quickly the required documentation is gathered, the time it takes to find the right property or the lender's processing times. We will keep you updated at every step and ensure a smooth, efficient experience.
What is the maximum Loan-to-Value (LTV) ratio for non-residents?
For non-residents, the Loan-to-Value (LTV) ratio typically ranges from 50% to 70%. The exact LTV depends on factors like: the property type and value, your financial profile, or the lender's criteria. Our team will help you understan your financing options and secure the best possible terms based on your situation.
What is the maximum Loan-to-Value (LTV) ratio for non-residents?
For non-residents, the Loan-to-Value (LTV) ratio typically ranges from 50% to 70%. The exact LTV depends on factors like: the property type and value, your financial profile, or the lender's criteria. Our team will help you understan your financing options and secure the best possible terms based on your situation.
What is the maximum Loan-to-Value (LTV) ratio for non-residents?
For non-residents, the Loan-to-Value (LTV) ratio typically ranges from 50% to 70%. The exact LTV depends on factors like: the property type and value, your financial profile, or the lender's criteria. Our team will help you understan your financing options and secure the best possible terms based on your situation.
What is the maximum Loan-to-Value (LTV) ratio for non-residents?
For non-residents, the Loan-to-Value (LTV) ratio typically ranges from 50% to 70%. The exact LTV depends on factors like: the property type and value, your financial profile, or the lender's criteria. Our team will help you understan your financing options and secure the best possible terms based on your situation.
Does Altavista offer personal loans or insurance services?
No, Altavista Finance focuses solely on mortgage solutions for property buyers. We do not offer personal loans or insurance services. However, we can refer you to trusted partners for related financial needs.
Does Altavista offer personal loans or insurance services?
No, Altavista Finance focuses solely on mortgage solutions for property buyers. We do not offer personal loans or insurance services. However, we can refer you to trusted partners for related financial needs.
Does Altavista offer personal loans or insurance services?
No, Altavista Finance focuses solely on mortgage solutions for property buyers. We do not offer personal loans or insurance services. However, we can refer you to trusted partners for related financial needs.
Does Altavista offer personal loans or insurance services?
No, Altavista Finance focuses solely on mortgage solutions for property buyers. We do not offer personal loans or insurance services. However, we can refer you to trusted partners for related financial needs.
Can Altavista help me find a property?
While we do not provide search services, we specialize in securing the best mortgage for your purchase. If needed, we can recommend trusted real estate agents to assist you in finding the perfect property while we handle the financing side of things.
Can Altavista help me find a property?
While we do not provide search services, we specialize in securing the best mortgage for your purchase. If needed, we can recommend trusted real estate agents to assist you in finding the perfect property while we handle the financing side of things.
Can Altavista help me find a property?
While we do not provide search services, we specialize in securing the best mortgage for your purchase. If needed, we can recommend trusted real estate agents to assist you in finding the perfect property while we handle the financing side of things.
Can Altavista help me find a property?
While we do not provide search services, we specialize in securing the best mortgage for your purchase. If needed, we can recommend trusted real estate agents to assist you in finding the perfect property while we handle the financing side of things.