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.

Yearly Euribor:


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


Thank you so much for all you did.   It was a pleasure meeting you and I hope we do business again. 



Hi Ravena,

Yes all complete now.

Thanks very much for all your help really great service.

Thanks again,



Hi Ravena,

Thanks for all your help over the last couple of years, very much appreciated.

Kind Regards

Simon & Tracey


Thanks Ravena,

You were excellent throughout the entire process. I can’t thank you enough. 

Kind regards,



"We were introduced to Ravena by our realtor when we purchased our house in Mogan, Gran Canaria. As Canadians new to Spanish laws and processes we were nervous and not sure how everything would go. Having Ravena in our corner was truly amazing. We called her with every question and concern and Ravena picked up every time and made us feel like a main priority. We cannot recommend Ravena enough. If you are purchasing a  property and need a mortgage and a champion, you should pick Ravena."


Thanks for all of your help during this process, Ravena. It was truly invaluable. Enjoy the holiday weekend!




Hola Ravena 

Thankyou very happy both of us 

Thankyou for all you help 

I will recommend you for sure.

Take care



Ravena has been excellent in assisting me with my mortgage for my new Spanish home.  Right from the first point of contact until completion she has been proactive in her approach and has kept me informed at every stage.  Her communication has been outstanding, not only with myself but also with my lender Bank and Spanish Lawyer.  The whole process has been so smooth thanks to Ravena and has been done with great efficiency and speed.  I can highly recommend Ravena who is a trustworthy expert in her field.  

Best wishes



Thanks Ravena and thanks very much for all your help.

I’ll definitely recommend you if anyone asks 😊

Kind Regards,



Thanks Ravena for all your help in getting us there. It’s been a lot of work, but we’re really excited to now have the house.

I’d be delighted to recommend your services if the chance ever arises. 

Best regards



Thanks for all your help in maing this happen, Ravena.

Really appreciated the help and guidance.

Best regards.



Many thanks for all your hard work and assistance. We will definitely recommend you to any of our friends who find themselves in our position! Much appreciated. 

Many thanks for all your help during the purchase! Glad it's finally over the finish line and looking forward to settling in.

You've been very helpful and quick to answer all our questions throughout the whole process. Your help with the bank was particularly appreciated. If you'd like to use us a reference that would fine by us. 

Thanks again.


thanks very much Ravena, and appreciate all the help youve provided to us! 



Thank you for all your help. We have a couple of friends looking to buy soon and I intend to pass your details onto them as I think the services of a good broker are invaluable for finding the right mortgage. We couldn't have done it without you.



Thank you so much for all your help again with this purchase! 

Take care and speak soon.

Many thanks 


that's correct, thanks a lot for your support. :) We love our new apartment!! ;)


Dear Ravena

Thank you SO much for all you did to make this possible for us. We are very grateful. We love our new place and have moved in. 

Your service has been amazing!✨

With much gratitude!


Thanks Ravena, yes we are all set and in the house now. Appreciate your help getting here!


Thank you very much for your help on this

Have a great weekend 


Hi Ravena

Thank you  and thank you for your help.

Your service has been excellent !

Kind Regards,



"I was fortunate to work with Independent Spanish Mortgages for my recent purchase near Valencia, and I’m extremely happy with their service. I first contacted Ravena on 29 April 2020, in the middle of the covid-19 crisis, and I had my mortgage approved with a firm offer – and an excellent loan-to-value ratio - on 11 May, in other words, less than 2 weeks later! Ravena and her partners have all been friendly and efficient to work with, ready to answer my questions quickly and clearly. I wholeheartedly recommend Ravena and ISM to anyone wanting to buy a home in Spain."  – Stephen, Lyon, France, July 2020


Hi Ravena,

You beat me to an email!

Thank you so much for your kind wishes, we cannot wait to eventually get out to enjoy it! 

Sincerely, THANK YOU Ravena for all your help along the way. You have been an absolute pleasure to work with and so very professional! 

I do hope our paths cross again in the future, and in the interim we have recommended you to our friends who would love to invest themselves in Spain over the next few years. 

Keep well and keep safe,

Best regards, 

Vicki and Cormac


Thank you Ravena and for  your help and professionalism.


Rgds - Terry 


Independent Spanish Mortgages is the only reason we could buy a house in Spain. As foreigners the banking system and the regulations are opaque and confusing. But ISM walked us through every step. ISM was prompt, precise, and above all else, genuinely concerned for our well-being.  They helped us find a very loan with fair terms. We highly recommend them. 


Dear Ravena

Thank you very much for all you hard work. Hopefully we will be able to visit later in the year and our hope is to one day become resident in Spain but for the time being we will enjoy holidays there.

If I here of anybody requiring a Spanish mortgage I will pass your details on.

Kind Regards



Thank you Ravena,

Yes indeed, everything got signed yesterday. 

There would be much to write about 'buying a Spanish property in the time of Covid' and I would like to thank you for your continuous support throughout: I don't think I would have been able to do it without you!

Take care,



Thanks Ravena,

You were very helpful so without a shadow of a doubt we would come back to you and indeed refer you to friends if ever we or anyone we know need assistance in future.




Spanish mortgages, mortgages in spain, best spanish mortgages, spanish mortgage broker, spanish mortgage advice, spanish mortgage process, how to get a mortgage in spain, estepona, marbella, sotogrande, zagaleta, fuengirola, ibiza, barcelona

Why choose Independent Spanish Mortgages-Brokers SL?

By using our services as licensed mortgage intermediary by the Bank of Spain, you can obtain full financial approval without any upfront costs, only if you wish to proceed shall our fee become due.

The financial approval shall not be an agreement in principle, it shall be a full financial approval issued by a bank underwriter subject to the valuation of the property you decide to purchase.


How will the mortgage process be managed?

We will be with you explaining the process and answering the questions that arise from the start and until the end of the process when completion takes place.

We shall also liaise with your estate agent and lawyer making sure the whole transaction proceeds as smoothly as possible.

Whether via telephone or e-mail we shall always be happy to help in every possible way.

Contact us today for a mortgage report