{"id":3463,"date":"2026-05-26T21:36:08","date_gmt":"2026-05-26T19:36:08","guid":{"rendered":"https:\/\/altavistafinance.com\/services\/mortgages\/"},"modified":"2026-09-22T00:16:06","modified_gmt":"2026-09-21T22:16:06","slug":"mortgages","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/services\/mortgages\/","title":{"rendered":"Mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3463\" class=\"elementor elementor-3463 elementor-696\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30127a8 e-con-full hipotecas-hero-container e-flex e-con e-parent\" data-id=\"30127a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0c44a26 e-grid hipotecas-hero-grid e-con-boxed e-con e-child\" data-id=\"0c44a26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-865fb6f hipotecas-hero-grid-imagen elementor-widget elementor-widget-image\" data-id=\"865fb6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"447\" height=\"284\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Hipoteca-banner.png\" class=\"attachment-large size-large wp-image-3327\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Hipoteca-banner.png 447w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Hipoteca-banner-300x191.png 300w\" sizes=\"(max-width: 447px) 100vw, 447px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4508bce hipoteca-banner-sello elementor-absolute elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"4508bce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"156\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/home-banner-sello.svg\" class=\"attachment-large size-large wp-image-246\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50f2bc2 home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"50f2bc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MORTGAGES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-054d8d5 elementor-widget elementor-widget-heading\" data-id=\"054d8d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IN SPAIN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-170eafe elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"170eafe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<br \/>At Altavista Finance, we know the Spanish financial market in depth\u2014each institution&#8217;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.      <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a087f3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6a087f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6cf90b5 e-con-full e-flex e-con e-parent\" data-id=\"6cf90b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d715d0e elementor-widget elementor-widget-template\" data-id=\"d715d0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12afe9e home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"12afe9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e69f762 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"e69f762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AVF VS. GOING DIRECTLY TO A BANK <\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c56c8e e-con-full e-flex e-con e-child\" data-id=\"4c56c8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4c913e0 e-con-full e-flex e-con e-child\" data-id=\"4c913e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7719bb6 e-con-full e-flex e-con e-child\" data-id=\"7719bb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a956fdc elementor-widget elementor-widget-heading\" data-id=\"a956fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WITH ALTAVISTA FINANCE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e5b6e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"60e5b6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">In-depth knowledge of more than 50 financial institutions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A complete view of the market: actual terms<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Experience with complex profiles: non-residents, self-employed clients and companies<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Active negotiation of terms<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Full support through to completion before the notary<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Success-fee model<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80e7b72 e-con-full separador-verticar e-flex e-con e-child\" data-id=\"80e7b72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00dc450 e-con-full e-flex e-con e-child\" data-id=\"00dc450\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87e4e13 elementor-widget elementor-widget-heading\" data-id=\"87e4e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DIRECTLY WITH A BANK<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-346276a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"346276a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Access limited to the products of a single institution<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No market benchmark<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Standardised processes for non-standard profiles<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The client negotiates alone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Support limited to the bank\u2019s internal process<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Internal costs are not always transparent<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17f1b273 e-flex e-con-boxed e-con e-parent\" data-id=\"17f1b273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69cea885 elementor-widget elementor-widget-heading\" data-id=\"69cea885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">For whom our mortgages are intended\n<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67bcb0a home-asesorar-container home-asesorar-container-activo-2 e-con-full e-flex e-con e-child\" data-id=\"67bcb0a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3d9a006 e-con-full home-asesorar-bloque home-asesorar-bloque-1 e-flex e-con e-child\" data-id=\"3d9a006\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e586e0f e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"e586e0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac1859 elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"3ac1859\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#ffffff\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">International Buyers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf0f6b9 home-asesorar-bloque-text elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"bf0f6b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Non-residents buying property in Spain. Our core client profile. We understand the tax, documentation, and banking complexities of financing a purchase from abroad.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-381fd31 home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"381fd31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"592\" height=\"888\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-1.png\" class=\"attachment-large size-large wp-image-680\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-1.png 592w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-1-200x300.png 200w\" sizes=\"(max-width: 592px) 100vw, 592px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57a2b44 e-con-full home-asesorar-bloque home-asesorar-bloque-2 home-asesorar-bloque-activo e-flex e-con e-child\" data-id=\"57a2b44\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-99879fa e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"99879fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc84254 elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"cc84254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Companies<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5d438 home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"3a5d438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Developers, corporations, asset-holding companies and SPVs purchasing property. Financing tailored to each legal and corporate structure. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9c7c0d home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"e9c7c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"395\" height=\"445\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal.jpg\" class=\"attachment-large size-large wp-image-3312\" alt=\"Edificio\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal.jpg 395w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal-266x300.jpg 266w\" sizes=\"(max-width: 395px) 100vw, 395px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dbe476 e-con-full home-asesorar-bloque home-asesorar-bloque-3 e-flex e-con e-child\" data-id=\"1dbe476\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ed299d8 e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"ed299d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-339e046 elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"339e046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#ffffff\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Residents in Spain<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d79443b home-asesorar-bloque-text elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"d79443b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tax residents in Spain, including complex profiles such as self-employed clients, those with international income or non-standard employment arrangements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c8a231 home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"2c8a231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"592\" height=\"888\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-3.png\" class=\"attachment-large size-large wp-image-682\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-3.png 592w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-3-200x300.png 200w\" sizes=\"(max-width: 592px) 100vw, 592px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b82c115 e-con-full home-asesorar-bloque home-asesorar-bloque-4 e-flex e-con e-child\" data-id=\"b82c115\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3d89931 e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"3d89931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-533c7cc elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"533c7cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">HNW \/ UHNW<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae9f399 home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"ae9f399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Complex wealth, multi-jurisdictional structures and high-value transactions requiring private banking and bespoke solutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d833f2f home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"d833f2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"656\" height=\"874\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-4.png\" class=\"attachment-large size-large wp-image-683\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-4.png 656w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/asesorar-4-225x300.png 225w\" sizes=\"(max-width: 656px) 100vw, 656px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02dca3b e-con-full e-flex e-con e-parent\" data-id=\"02dca3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3328,&quot;url&quot;:&quot;http:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/highlight2-1.png&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15f700f home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"15f700f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed85bbd elementor-widget-mobile__width-initial proceso-heading elementor-widget elementor-widget-heading\" data-id=\"ed85bbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">THE PROCESS <span>(5 STEPS)<\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa5919 e-grid e-con-full e-con e-child\" data-id=\"7aa5919\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-739580a e-con-full e-flex e-con e-child\" data-id=\"739580a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f34e138 elementor-widget elementor-widget-heading\" data-id=\"f34e138\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d172c afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"f8d172c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Pre-qualification<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32f64e8 elementor-widget elementor-widget-text-editor\" data-id=\"32f64e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>During an initial 30\u201345-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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b173c2b e-con-full e-flex e-con e-child\" data-id=\"b173c2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c84f99 elementor-widget elementor-widget-heading\" data-id=\"8c84f99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e961e01 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"e961e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Documentation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8f0b5 elementor-widget elementor-widget-text-editor\" data-id=\"6a8f0b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-210c596 e-con-full e-flex e-con e-child\" data-id=\"210c596\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb8da97 elementor-widget elementor-widget-heading\" data-id=\"eb8da97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc22185 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"bc22185\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Pre-approval<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8f57fe elementor-widget elementor-widget-text-editor\" data-id=\"d8f57fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6113ed e-con-full e-flex e-con e-child\" data-id=\"d6113ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61c2e21 elementor-widget elementor-widget-heading\" data-id=\"61c2e21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">04<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5c2ddb afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"b5c2ddb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Valuation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78cc22c elementor-widget elementor-widget-text-editor\" data-id=\"78cc22c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We coordinate the property valuation with authorised valuation firms. We check that the valuation aligns with the terms offered by the selected lender. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72f714b e-con-full e-flex e-con e-child\" data-id=\"72f714b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebb0af8 elementor-widget elementor-widget-heading\" data-id=\"ebb0af8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">05<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ba598 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"60ba598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Review and signing<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c3a2cc elementor-widget elementor-widget-text-editor\" data-id=\"0c3a2cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3332df8 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"3332df8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1980b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"ab1980b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS ABOUT MORTGAGES IN SPAIN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756234e acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"756234e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1230\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a non-resident obtain a mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1230\" class=\"elementor-element elementor-element-80197d7 e-con-full e-flex e-con e-child\" data-id=\"80197d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1230\" class=\"elementor-element elementor-element-72b1f75 e-con-full e-flex e-con e-child\" data-id=\"72b1f75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94b66a2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"94b66a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1231\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does the mortgage process take? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1231\" class=\"elementor-element elementor-element-f45cc94 e-con-full e-flex e-con e-child\" data-id=\"f45cc94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1231\" class=\"elementor-element elementor-element-9233d63 e-con-full e-flex e-con e-child\" data-id=\"9233d63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-758a054 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"758a054\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe 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\u2019s profile and the lender\u2019s response times. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1232\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1232\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need to have identified a property before applying for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1232\" class=\"elementor-element elementor-element-a54331a e-con-full e-flex e-con e-child\" data-id=\"a54331a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1232\" class=\"elementor-element elementor-element-d1ee04c e-con-full e-flex e-con e-child\" data-id=\"d1ee04c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7ea098 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a7ea098\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNot 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.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1233\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1233\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What interest rates do Spanish banks offer? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1233\" class=\"elementor-element elementor-element-2a13125 e-con-full e-flex e-con e-child\" data-id=\"2a13125\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1233\" class=\"elementor-element elementor-element-9301872 e-con-full e-flex e-con e-child\" data-id=\"9301872\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acc8d1d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"acc8d1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSpanish 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.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1234\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1234\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does Altavista Finance charge a fee if the mortgage is not secured? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1234\" class=\"elementor-element elementor-element-1240585 e-con-full e-flex e-con e-child\" data-id=\"1240585\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1234\" class=\"elementor-element elementor-element-1386a84 e-con-full e-flex e-con e-child\" data-id=\"1386a84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49b5bc8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"49b5bc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNo. We work on a success-fee basis: we only charge if we secure your financing. Fees are agreed in advance with full transparency.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1235\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1235\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which financial institutions does Altavista Finance work with? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1235\" class=\"elementor-element elementor-element-bc19d86 e-con-full e-flex e-con e-child\" data-id=\"bc19d86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1235\" class=\"elementor-element elementor-element-6408e25 e-con-full e-flex e-con e-child\" data-id=\"6408e25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd605a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6fd605a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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\u2019s profile, property type and objectives.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1236\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1236\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I obtain a mortgage if I am self-employed or have irregular income? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1236\" class=\"elementor-element elementor-element-ce3d602 e-con-full e-flex e-con e-child\" data-id=\"ce3d602\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1236\" class=\"elementor-element elementor-element-622e646 e-con-full e-flex e-con e-child\" data-id=\"622e646\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1587c60 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1587c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes, 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.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1237\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1237\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between a mortgage broker and a bank? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1237\" class=\"elementor-element elementor-element-1bc5cfa e-con-full e-flex e-con e-child\" data-id=\"1bc5cfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1237\" class=\"elementor-element elementor-element-7e24ec3 e-con-full e-flex e-con e-child\" data-id=\"7e24ec3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ded1f3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7ded1f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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 \u2013 we work with them for the buyer\u2019s benefit.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can a non-resident obtain a mortgage in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"How long does the mortgage process take?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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\\u2019s profile and the lender\\u2019s response times.\"}},{\"@type\":\"Question\",\"name\":\"Do I need to have identified a property before applying for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"What interest rates do Spanish banks offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"Does Altavista Finance charge a fee if the mortgage is not secured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. We work on a success-fee basis: we only charge if we secure your financing. Fees are agreed in advance with full transparency.\"}},{\"@type\":\"Question\",\"name\":\"Which financial institutions does Altavista Finance work with?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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\\u2019s profile, property type and objectives.\"}},{\"@type\":\"Question\",\"name\":\"Can I obtain a mortgage if I am self-employed or have irregular income?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between a mortgage broker and a bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 \\u2013 we work with them for the buyer\\u2019s benefit.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a5bf19 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"0a5bf19\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d5aa90 elementor-widget elementor-widget-heading\" data-id=\"5d5aa90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MORE THAN MORTGAGES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3715602 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3715602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Trust. Transparency. Security.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b9d10b e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"4b9d10b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a2c554 elementor-widget elementor-widget-template\" data-id=\"8a2c554\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"774\" class=\"elementor elementor-774 elementor-757 elementor-757\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41b0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"a41b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41819a8b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"41819a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-655aa3aa e-con-full e-flex e-con e-child\" data-id=\"655aa3aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43288274 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43288274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3072e elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"1bb3072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":274,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3463","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgages in Spain | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Independent mortgage intermediary in Spain. We negotiate with +50 financial institutions to find the best terms for each profile.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altavistafinance.com\/en\/services\/mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgages in Spain | Altavista Finance\" \/>\n<meta property=\"og:description\" content=\"Independent mortgage intermediary in Spain. We negotiate with +50 financial institutions to find the best terms for each profile.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altavistafinance.com\/en\/services\/mortgages\/\" \/>\n<meta property=\"og:site_name\" content=\"Altavista Finance\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-21T22:16:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Hipoteca-banner.png\" \/>\n\t<meta property=\"og:image:width\" content=\"447\" \/>\n\t<meta property=\"og:image:height\" content=\"284\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/mortgages\\\/\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/mortgages\\\/\",\"name\":\"Mortgages in Spain | Altavista Finance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/mortgages\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/mortgages\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Hipoteca-banner.png\",\"datePublished\":\"2026-05-26T19:36:08+00:00\",\"dateModified\":\"2026-09-21T22:16:06+00:00\",\"description\":\"Independent mortgage intermediary in Spain. 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