How do I obtain a mortgage?

Unbiased feedback.

We work for you.

No upfront fees

Our formal financial approvals from banks are at no cost. Our fee is only due on valuation instruction.

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Unparalleled banking relationships

Benefit from our consolidated position as a result of over 15 years in the industry.


We shall provide you with experienced, factual and professional information.

We are mortgage intermediaries

We are not an advice company

What do I need to do to file an application?

If you require a mortgage in Spain it is important to use a licensed mortgage intermediary to source the right mortgage product for you and ensure the terms are fully explained and the mortgage process is managed efficiently. If your mortgage intermediary is not registered and licensed by the Bank of Spain they cannot be active in the mortgage industry.

By using a mortgage intermediary you shall have access to all available competitive mortgage products and have your interests protected.

When approaching a bank directly the best possible terms may not be offered as bank managers are instructed to maximize the profit of each application and this can result in higher interest rates.

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What do I need to do to file an application?

Why choose Independent Spanish Mortgages-Brokers SL to obtain a mortgage?

Even if you have not located a property yet it is best to contact a mortgage intermediary to determine if you are eligible for lending.

You can obtain a financial approval before travelling to Spain to view properties, therefore your budget is defined and the lending process is underway.

What do I need to do to file an application?
What do I need to do to file an application?

Should I obtain a financial approval?

This shall strengthen your position when negotiating with the vendors of the property you wish to purchase as it evidences both your seriousness and removes any uncertainty as to the mortgage viability, you can proceed straight to valuation.

At Independent Spanish Mortgages-Brokers SL we have no upfront fees. Our fee is only due once a financial approval has been obtained and you instruct the property valuation.

Contact us today for a mortgage report