Mortgage Broker in Spain for International and Non-Resident Buyers
Buying property in Spain as a non-resident can be confusing.
Different banks, changing criteria, regional taxes, currency income, and legal requirements.
I help international clients structure and secure mortgage financing in Spain with clarity and strategy.
Who I Work With
I specialise in complex profiles, including:
Non-resident buyers
UK and Gibraltar-based professionals
Self-employed and business owners
High-net-worth individuals
Clients with foreign currency income
Buyers of new developments and luxury villas on the Costa del Sol
How I Work
I collaborate with 10+ Spanish banks and structure each case individually.
My role is not just comparing rates.
I analyse:
Loan-to-value possibilities
Debt-to-income ratios
Currency exposure
Tax implications (ITP / AJD by region)
Long-term affordability
Every case is presented strategically to the right bank.
Professional Background
I am:
Registered Intermediary with the Bank of Spain (D943)
EFPA certified financial advisor
Economist with a Master’s degree in Tax Advisory
Insurance mediator accredited in Spain
Based in Málaga, working across the Costa del Sol and Spain with international clients remotely.
Why It Matters
Most buyers focus only on interest rates.
But mortgage approval in Spain depends on structure, not just price.
The right strategy can mean:
Higher approval chances
Better conditions
Lower overall risk
