Buying in Spain should not feel like guessing in another language.
Banks assess international income differently. Costs vary by region. Currency can move while you are signing. This is the real route from first call to notary — and what happens after.
- Plan
Explore
Prepare
Sign
The keys
What best describes your employment?
Where in Spain are you looking?
What type of purchase is this?
Where are you with the property?
When would you like to buy?
Where is your income based?
Two tracks running in parallel.
Finding the right property and securing the right mortgage happen at the same time — not one after the other. Here is how both tracks move together from first contact to notary.
Nothing is signed yet — and that is exactly the right moment. Before any reservation or arras, we check two things: that the finance works for your profile, and that the property is what it seems (nota simple, valuation, registry). It is the step that protects your money.
Before you sign the arras, the finance and the property need to be checked. Once they are signed, pulling out usually means losing your deposit — so this is the moment to be sure.
Your deadline is set in the contract, so the finance has to arrive on time. This is where we coordinate every step — bank, valuation, notary — so you reach the signing within the date you agreed.
Location, budget, property type, residency plans. We help you map what is realistic before you start visiting.
A real conversation about your financial situation — income, currency, residency, timing. We diagnose what is possible before touching any paperwork.
Viewings, negotiations, due diligence. While you search, we prepare the finance side so the two converge on time.
We translate your international profile into a bank-ready presentation: income analysis, currency strategy, risk summary and every option laid out clearly.
Passport, proof of income, tax returns, bank statements, employment contract or company accounts — adapted to your profile.
The reservation contract that secures the property. We coordinate timing so your mortgage pre-approval is in place before you sign.
Your case goes to the banks best suited to your profile — not all of them. We match the strategy to your situation.
The point is not sending your file everywhere. The point is knowing where your case makes sense.
The bank orders a professional appraisal. The valuation determines the maximum loan amount — we coordinate timing so it does not delay anything.
Not just interest rates. We compare monthly payment, linked products, total cost, early repayment conditions — and what each offer means in your currency.
Appraisal complete, property verified. Both tracks are ready to converge at the binding offer.
If the valuation comes in below the purchase price, we explain your options before you commit.
We lay out each offer side by side — the numbers, the conditions and what they mean for your profile. The final decision is always yours, with all the information on the table.
The two tracks converge
FEIN — the binding mortgage offer.
This is the only document in Spain that constitutes a real mortgage commitment. Everything before is preparation. We make sure you understand every line before you sign.
Transparency review at the notary
The notary verifies you understand the terms. This mandatory step happens at least one day before signing the mortgage deed. We prepare you beforehand.
Arrange payment methods
Bank cheques, transfers, currency conversion — coordinated so every payment arrives on time at the notary.
Currency exchange via Moneycorp
Lock in your rate before signing day
Signing day
Mortgage deed and property deed signed at the notary. The property is now legally yours.
Land Registry
Your purchase is registered officially. The property and mortgage appear in the Registro de la Propiedad under your name.
Keys handover
The property is yours. Move in, set it up, or simply enjoy knowing it is done — properly.
After the keys
Most mortgage brokers disappear when the keys are handed over. We do not.
“You should not have to remember everything after buying. Some things should remember you.”
The pound dropped below 1.14 against the euro. Your monthly mortgage payment just became 4.2% more expensive in sterling. Worth reviewing your transfer strategy.
Your annual non-resident income tax declaration (Modelo 210) is due by 31 December. We have prepared a reminder with the steps and your tax representative’s details.
One year since signing. Time to check if your rate is still competitive, if refinancing makes sense, and if anything has changed in your financial situation.
Your mixed-rate mortgage revises to variable in 3 months. The current Euribor is different from when you signed. Let us review what this means for your monthly payment.
Utilities transfer, home insurance, community fees, IBI tax, nota simple — everything you need to set up as a new property owner in Spain.
No mortgage talk today. Just a note to say we remember, and we hope you are enjoying your home in Spain.