Video call & feasibility study
We review your income, savings and goals, and tell you honestly how much you can borrow, what it will cost and whether the numbers work — before you commit to anything.
English-speaking mortgage broker · Spain
Buy your home in Spain. Without moving here first.
Smart Finanz arranges Spanish mortgages for non-residents — from a free feasibility study to signing at the notary. Fully remote, in plain English, in Costa del Sol and the Canary Islands.
60–70%Typical financing Spanish banks offer non-residents.
100%Of the process can be handled remotely — video calls, e-signatures and power of attorney.
4–8Weeks from complete file to signing at the notary, in typical cases.
0 €Cost of your initial feasibility assessment. No obligation.
Why a broker
Spanish banks say yes far more often when the file is built by someone they know.
A non-resident application involves foreign income, translated documents, currency rules and banks with very different appetites. We prepare your case the way each lender expects it, present it in Spanish, and negotiate the rate and conditions for you.
And because we also work as buyer's agents, we can find the property, record video visits when you can't fly over, and negotiate the price — one team, one point of contact, until the keys are in your hand.
How it works
From your sofa to a Spanish notary, in three steps.
Your file, built and negotiated
We prepare your documentation the way Spanish banks expect it, present your case to the right lenders and negotiate conditions on your behalf — in Spanish, so you don't have to.
Valuation, notary and keys
We coordinate the property valuation, the FEIN offer and the notary appointment. Sign in person or grant power of attorney and complete the purchase from home.
What you'll need
A clean file is half the mortgage.
These are the documents Spanish banks ask non-residents for. Our client portal gives you a personal checklist and turns your phone photos into tidy PDFs — no printing, no couriers.
Passport and NIE (we guide you through obtaining the NIE)
Proof of income: payslips or company accounts if self-employed
Last tax return from your country of residence
Bank statements (usually the last 3–6 months)
Credit report from your home country
Details of existing loans and financial commitments
Why Smart Finanz
Not a comparison site. A team that represents you in Spain.
One partner for everything
We are not just a mortgage broker. We can also find the property with our estate-agency network, organise recorded video visits, negotiate the price and coordinate lawyers, valuers and notary.
Your file, in your pocket
Every client gets a private online portal: upload documents from your phone, track the exact status of your mortgage and see the next step at all times. In English.
Local knowledge, on the ground
Based in the Canary Islands and working across the Costa del Sol. We know the banks, the notaries, the taxes of each region — and what a fair price looks like in each area.
Where we work
MarbellaEsteponaMijasFuengirolaBenalmádenaMálagaGran CanariaTenerifeLanzaroteFuerteventura
Questions, answered honestly
Non-resident mortgages in Spain — the facts.
Can non-residents get a mortgage in Spain?
Yes. Spanish banks routinely lend to non-residents. Conditions are stricter than for residents: financing is typically 60–70% of the purchase price (versus up to 80–90% for residents), so you should budget roughly 40–45% of the price in savings once purchase taxes and costs are included.
How much can I borrow as a non-resident?
Most Spanish banks finance 60–70% of the property price or valuation (whichever is lower) for non-residents. The exact amount depends on your income, existing debts and country of residence. Banks generally want your total monthly debt payments to stay below 30–35% of your net income.
What is an NIE and do I need one?
The NIE (Número de Identidad de Extranjero) is the Spanish foreigner identification number. You need it to buy property, get a mortgage and pay taxes in Spain. It can be obtained at a Spanish consulate in your country or in Spain, and we guide you through the process.
Can I do the whole process remotely?
Almost entirely, yes. The feasibility study, document collection, bank negotiation and valuation are all handled online through our client portal and video calls. For the final signing you can either travel to Spain or grant power of attorney to sign on your behalf.
What taxes and costs should I budget for?
For a resale property, the main cost is the transfer tax (ITP): 7% in Andalusia (Costa del Sol) and 6.5% in the Canary Islands. Add notary, land registry and administrative fees of roughly €2,500 and a bank valuation around €500. As a rule of thumb, budget 8–10% of the purchase price on top.
How long does a Spanish mortgage take for a non-resident?
From complete documentation to signing at the notary, typically 4–8 weeks. The biggest factor is how quickly your documents are ready — which is exactly what our portal and checklist speed up.
Do Spanish banks accept foreign income and currencies?
Yes. Income in euros, pounds, Swedish krona, Swiss francs or US dollars is commonly accepted. Under Spanish mortgage law you also gain currency-conversion protections when your income is in a different currency from the loan.
Do I need a Spanish bank account?
Yes — your mortgage payments will be collected from a Spanish account, and you'll use it for utilities and community fees. We help you open one during the process; it can usually be done remotely.
Free assessment
Tell us your plans. We'll tell you exactly where you stand.
A straight answer before any commitment.
We review your income, savings and target area, and reply with your realistic borrowing capacity, total costs and a step-by-step plan. If the numbers don't work yet, we'll tell you that too.
Realistic borrowing capacity and full cost breakdown.Personal reply within one business day.Independent: we work for you, not for a bank.Free and with no obligation.