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A regulated mortgage advisory service by Dream Nest Consultants S.L.

Every route to financing a home in Spain, prepared properly.

Purchase, non-resident, renovation, self-build or a mortgage you already have — we prepare the case, choose where it makes sense, negotiate and explain every condition before you sign.

Regulated by the Bank of Spain · ICI E156
Start your mortgage review Understand your options
Full service

We study your case before the banks do — so you know exactly where you stand.

From first conversation to signing and beyond. Our regulated fee only applies when your mortgage completes — the initial analysis and your personalised dossier are always free.

Start your review — free
Free
A real conversation about your situation before anything else — income, property type, timeline and what is realistically possible.
Free
A downloadable summary of your mortgage strategy, cost breakdown and next steps — prepared specifically for your case, not a generic template.
We appoint and supervise the valuation with an approved firm, at the right moment in the process. A badly timed or badly chosen appraisal can cost far more than its fee. Start my valuation
We obtain and explain the land registry extract — ownership, charges, surface area, any flags that affect your purchase or mortgage. Get and review my nota simple
If you cannot be present in Spain for every step, we guide you through what a POA covers, what it does not, and who should hold it. Help with my power of attorney
Someone who understands the mortgage and the Spanish — present at the notary, when it matters most and the documents are real. I need an interpreter at signing
We review the deposit contract before you sign — flagging conditions, cancellation clauses, timelines and anything that binds you before the mortgage is in place. Review my arras contract
Lawyers, tax advisors, currency specialists and estate agents from our network — the right introduction at the right moment in your purchase.
Mediterranean terrace overlooking the sea in Spain

What are you buying for?

The purpose changes how a bank reads everything else.

Also available independently

Not every situation calls for the full service. These are available as standalone engagements.

Mortgage consultation

We review your case, explain what a bank will see, and advise on strategy — without submitting your file to any bank. Right for buyers who want clarity and a second opinion before committing to the full process.

Enquire

Nota simple — request & interpretation

From €20 per registered property

We request the nota simple and explain exactly what it says — who owns what, any charges or liens, surface area, legal status. The document every buyer needs before making an offer.

Get and review my nota simple

Appraisal — order & supervision

We commission a valuation with an approved appraisal firm and supervise the process from instruction to delivery. If you need a property valued before the bank is involved, this is the right step.

Start my valuation
Go deeper

Understand every angle before you commit.

Mortgage types in Spain

Fixed, variable, mixed — by purpose, profile, property and LTV. See how each one works and where your case fits.

Explore mortgage types →

Property types and bank appetite

Not every property tells the same story to a bank. Fincas, new builds, urban plots — each has a different route.

See property types →

Why use a mortgage broker?

One bank gives you one answer. A regulated intermediary builds the right route before you ask.

Read why it matters →
Beyond your mortgage

The parts of buying in Spain that aren't a mortgage.

Currency exchange Better rates and no unnecessary fees moving money to Spain, from specialists we trust. Rental management Thinking of renting your property out once you own it? We connect you with people who find the tenant and manage it for you, day to day. US financial planning An American buyer or resident? Financial planning that understands both the US and Spanish sides of your situation, not just one. Our professional network Need a lawyer, help with your NIE, or a tax expert? We connect you with people we've actually worked with, not a random directory. Alternative financing Bridge loans and short-term financing for cases a standard mortgage doesn't cover. Paperwork & documents The official reports and paperwork a purchase actually requires — what each one is and why you need it, explained in plain language.

Extended services & trusted partners: Insurance · Private banking, investment & savings · Mortgage renegotiation. Ask us about our network — start the conversation here.

Banks we present cases to
CaixaBank · HolaBank Banco Sabadell Abanca Bankinter UCI Banca March Unicaja

A selection — not an exhaustive list. The right bank for your case depends on your profile, not which names appear here.

Currency specialists
Moneycorp
Trusted network
Medland Eurosafa
Professionals we coordinate with
Real estate agents Property lawyers Tax advisors Currency exchange specialists Insurance brokers Valuers & appraisers Relocation services Architects & builders Property management Crypto transaction advisors

If you need a trusted professional for any stage of your purchase, we can introduce you to the right person.

A selection of our network — not an exhaustive list. For private banking, investment or savings requirements, we can also introduce you to the right specialist.

Ready when you are

Start with the review, not the reservation.

The first conversation costs nothing and tells you whether the route is realistic — before you commit to anything.

Start your mortgage review