MORTGAGES

IN SPAIN

The Spanish mortgage market is diverse: more than 30 financial institutions operate with different criteria, conditions, and risk appetites. What one bank rejects, another approves. What one offers at 4%, another offers at 3.2%. Even within the same institution, two branches may evaluate the same case differently.
At Altavista Finance, we know the Spanish financial market in depth—each institution’s criteria, their products, their risk appetite, and their actual terms. We work with more than 50 financial institutions and know exactly which one fits each profile. We do not represent any bank. We represent the buyer.

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50+ financial institutions

AVF VS. GOING DIRECTLY TO A BANK

WITH ALTAVISTA FINANCE

  • In-depth knowledge of more than 50 financial institutions
  • A complete view of the market: actual terms
  • Experience with complex profiles: non-residents, self-employed clients and companies
  • Active negotiation of terms
  • Full support through to completion before the notary
  • Success-fee model

DIRECTLY WITH A BANK

  • Access limited to the products of a single institution
  • No market benchmark
  • Standardised processes for non-standard profiles
  • The client negotiates alone
  • Support limited to the bank’s internal process
  • Internal costs are not always transparent

For whom our mortgages are intended

International Buyers

Non-residents buying property in Spain. Our core client profile. We understand the tax, documentation, and banking complexities of financing a purchase from abroad.

Companies

Developers, corporations, asset-holding companies and SPVs purchasing property. Financing tailored to each legal and corporate structure.

Edificio
Residents in Spain

Tax residents in Spain, including complex profiles such as self-employed clients, those with international income or non-standard employment arrangements.

HNW / UHNW

Complex wealth, multi-jurisdictional structures and high-value transactions requiring private banking and bespoke solutions.

THE PROCESS (5 STEPS)

01

Pre-qualification

During an initial 30–45-minute consultation, we assess your financial profile, discuss your objectives and design a personalised mortgage strategy. We explain the requirements, possible financing structures and next steps.

02

Documentation

We collect the required documents and prepare them for submission to lenders. We ensure that everything is complete and in the correct format before submission.

03

Pre-approval

We submit your transaction simultaneously to the most suitable lenders from our panel of more than 50 financial institutions. We receive and compare offers, then advise you on which best suits your profile and objectives.

04

Valuation

We coordinate the property valuation with authorised valuation firms. We check that the valuation aligns with the terms offered by the selected lender.

05

Review and signing

We review all the final loan terms with you before signing. We accompany you to the notary to ensure everything is transparent and consistent with what was agreed.

FREQUENTLY ASKED QUESTIONS ABOUT MORTGAGES IN SPAIN

Can a non-resident obtain a mortgage in Spain?

Yes. Non-residents can obtain mortgage finance in Spain, generally with an LTV of between 60% and 70% of the property value. Terms vary depending on nationality, financial profile and lender. Altavista Finance negotiates with more than 50 financial institutions to find the best option for each client profile.

The typical process takes between 8 and 12 weeks, from the initial consultation to signing before the notary. The main factors are how quickly documents are collected, the complexity of the client’s profile and the lender’s response times.
Not necessarily. We can assess your financial profile and obtain an indicative pre-approval before you have identified a specific property. This clarifies your borrowing capacity and puts you in a stronger position when negotiating a purchase.
Spanish banks offer fixed-rate, variable-rate (linked to Euribor) and mixed-rate mortgages. The most suitable option depends on your time horizon, risk tolerance and market conditions. We do not recommend one type over another without assessing your specific circumstances.
No. We work on a success-fee basis: we only charge if we secure your financing. Fees are agreed in advance with full transparency.

We work with more than 50 financial institutions: retail banks, private banks and alternative lenders. We are not tied to any lender. We select the most suitable institutions for each transaction based on the client’s profile, property type and objectives.

Yes, although these profiles require a specialist approach. Many banks reject self-employed clients or non-standard income through their direct channels. Through Altavista Finance, we present your profile to lenders with more flexible criteria and experience in these cases.

A bank only offers its own products. An independent mortgage intermediary such as Altavista Finance knows the terms offered by more than 50 financial institutions, negotiates the best terms for each client profile and supports clients throughout the process. We do not compete with banks – we work with them for the buyer’s benefit.

MORE THAN MORTGAGES

Trust. Transparency. Security.

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If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.

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