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:

- 0.498 %

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


"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.




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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