Our solutions

Every form of real-estate financing in Spain

Private individual, wealth-holding company, professional project : we structure and negotiate every type of file, with the same standards and the same multidisciplinary team.

All types of properties & projects

Apartment, villa, plot of land, rural property, development, major renovation, acquisition of a wealth-holding company…

Everywhere in Spain

Madrid, Barcelona, Valencia, Malaga, Seville, the Balearics, the Canaries, Costa Blanca, Costa del Sol… we operate across the whole country.

End-to-end support

Legal, regulatory, tasación, bank negotiation, tax and wealth advisory : everything handled in-house by our teams.

Our 3 main offers

A solution tailored to every profile

Every file is handled by a dedicated trio : a banking coordinator, a negotiating broker and a legal supervisor.

Wealth-holding company

Mortgage via a wealth-holding company

To structure your acquisition through a Spanish sociedad patrimonial, with tax optimisation, wealth protection and estate-planning preparation.

What's included

  • Setting up the wealth-holding company (SL)
  • Bespoke tax and legal structuring
  • Mortgage financing in the company's name
  • Bank negotiation tailored to corporate structures
  • Estate transmission advisory

Languages spoken

🇫🇷 FR 🇬🇧 EN 🇪🇸 ES

Team dedicated to the file

  • 📋 Banking coordinator
  • 🤝 Negotiating broker
  • ⚖️ Tax lawyer
  • 🛡️ Compliance supervisor
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Private individual

Personal mortgage

For the purchase of a primary or secondary residence, or a rental investment, as a private individual, resident or non-resident in Spain.

What's included

  • Full assessment of your borrowing capacity
  • Putting 30+ Spanish banks in competition
  • Negotiation of the rate and conditions
  • Legal and notarial support
  • End-to-end management of the bank file
  • Post-signing follow-up included

Languages spoken

🇫🇷 FR 🇬🇧 EN 🇪🇸 ES

Team dedicated to the file

  • 📋 Banking coordinator
  • 🤝 Negotiating broker
  • 🛡️ Compliance supervisor
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Professional

Professional credit & business financing

For professional operations : real-estate development, business acquisition, company buyout or growth financing.

What's included

  • Review of the business plan and profitability
  • Financing structure tailored to the project
  • Negotiation with commercial banks
  • Support from public and private guarantees
  • Dedicated legal and tax coordination

Languages spoken

🇫🇷 FR 🇬🇧 EN 🇪🇸 ES

Team dedicated to the file

  • 📋 Banking coordinator
  • 🤝 Negotiating broker
  • 🛡️ Compliance supervisor
Contact us
Why trust us

The difference between getting a mortgage… and getting the best mortgage

Negotiating a Spanish mortgage on your own, from abroad, is an uphill battle. Here's exactly what we change for you.

Compare bank offers
Contact each bank one by one, weeks of Spanish-speaking appointments.
30+ banks put in competition within 48h, a single point of contact.
Negotiate the rate
Accept the standard offer, no leverage against the bank.
-0.3 pt on average, about €17,430 saved over the life of the loan.
Build an international client file
Forms in Spanish, missing documents, endless back-and-forth.
File structured by our experts, approved on first submission.
Reach the right contacts
No network, bank call centres, unpredictable response times.
Direct contacts at our 30+ partner banks, response within 24–48h.
Have the property appraised (tasador)
Find an approved tasador on your own, pay up-front, manage the scheduling.
We order and coordinate the tasación — nothing for you to handle.
Extend the arras contract deadline
On your own with the seller — risk losing your arras if the bank is late.
We negotiate the extension with the seller and protect your deposit.
Translate & legalise documents
Find sworn translators yourself, unpredictable deadlines.
Network of vetted partners, everything handled for you.
Track progress
Calls in Spanish, vague answers, constant uncertainty.
Weekly update in English/French, written recap at every step.
Sign at the notary
Contracts in Spanish, last-minute surprises on fees.
Bilingual support up to the key handover — zero surprises.

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Our full expertise

Everything we can finance in Spain

From simple projects to the most complex structures, we handle every type of file.

Primary residence

Your main home in Spain, with the best resident conditions.

Secondary residence

For your place in the sun, by the sea or in the countryside.

Buy-to-let investment

Long-term or seasonal rentals, with optimised profitability.

Non-resident mortgage

Financing tailored to profiles that are not tax-resident in Spain.

Spanish resident mortgage

Best down-payment, rate and term conditions for tax residents.

Loan refinancing

Renegotiation of an existing loan to reduce your monthly payment or rate.

Loan with collateral

Mortgage a mortgage-free property you already own to unlock liquidity.

Post-purchase mortgage

Setting up a mortgage up to 6 months after a cash purchase.

Urban property

Apartment, townhouse or premises located in an urban area.

Rural property

Finca, farmland or property in a designated rural area.

Real-estate development

Financing the purchase of new-build properties from developers.

Self-build

Financing the construction of your own property.

Renovation financing

Major renovation, extension or rehabilitation, as part of your loan.

Business acquisition

Acquisition of an active business, taking over the lease or the premises.

Company buyout

LBO financing, company takeover or share buyout.

Wealth-holding company

Setting up and financing a Spanish sociedad patrimonial.

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