Local expertise
A team based in Valencia, familiar with the specifics of the Spanish market and local banks.
Mortgage broker in Spain
Your mortgage partner in Spain
Specialists in international and non-resident profiles. We negotiate the best rates for you with more than 30 Spanish banks.
Loan simulation
The Alveo Finance team
Based in Valencia, Spain
More than 30 partner banks in Spain
Ibercaja
Deutsche Bank
Ibercaja
Deutsche Bank
UCI
Cajamar
Banca March
UCI
Cajamar
Banca March
Support designed
for international buyers
From the first simulation to signing at the notary, we handle every step of your real-estate financing in Spain.
Personalised support
A dedicated broker, available in French, English and Spanish, from the first call to signing.
The best rates
We put more than 30 banks in competition to secure the most competitive conditions for you.
Fast and transparent service
A preliminary answer in 48 hours and clear follow-up, with no surprises and no hidden fees.
Your whole project, in just 3 minutes
One guided flow. Three clear answers to plan your Spanish property purchase with confidence.
Free · 3 min · No sign-up
Walk away with 3 key numbers
-
Your borrowing capacity ~ 380 000 €
-
Your purchase fees & taxes ~ 10 – 12 %
-
Your estimated monthly payments ~ 870 €/mois
- 100% free
- Instant results
- No commitment
Alveo Finance
2026 Edition
The guide to financing in Spain
From our experts, for international buyers.
Free guide
The complete guide to real-estate financing in Spain
Download our reference guide to understand Spanish banks, anticipate fees and secure the best financing — resident or non-resident.
- ✓ The conditions of 30+ Spanish banks
- ✓ Resident vs non-resident comparison
- ✓ All fees, region by region
- ✓ Every key step from A to Z
Request a callback
An English-speaking advisor will call you back within 24h
Leave us your details and a member of our team will contact you within 24 business hours to discuss your project in Spain. The call is 100% in English, with no obligation.
- Guaranteed callback within 24h by an English-speaking advisor
- We share with you all the key information about financing in Spain
- Realistic estimate of your rate and monthly payments
- Concrete answers to all your questions
- Personalized recommendations, in writing after the call
Request a callback
Free · Callback within 24h · English-speaking advisor · GDPR
-
01
Accredited by the Bank of Spain
Alveo Finance is officially registered and accredited with the Banco de España. A guarantee of reliability, regulatory compliance and transparency across all our practices.
Regulated by Banco de España -
02
Preferential agreements with our banking partners
Thanks to the volume of files we process each year and the quality of our relationship with Spanish banks, we enjoy conditions negotiated upstream : better rates, reduced fees, priority handling of your applications.
-
03
An English-speaking banking network that understands your documents
We have built a network of fully English-speaking bankers, able to read and analyse — without an intermediary — the supporting documents specific to international profiles : USA, Canada, Australia, United Kingdom and any other international profile.
Result: no unnecessary translation, no misunderstanding over a pay slip or tax notice, processing times cut in half.
- 🇺🇸 USA
- 🇨🇦 Canada
- 🇦🇺 Australia
- 🇬🇧 United Kingdom
- 🌍 Any other international profile
-
04
3 experts dedicated to your file, not just 1
Where most brokerage firms assign you a single point of contact, we systematically mobilise a team of 3 specialists on every file :
📋 Banking coordinatorStructures your file, gathers documents and handles the administrative liaison with the banks.
🤝 Negotiating brokerPresents your file, puts the banks in competition and negotiates the best conditions.
🛡️ SupervisorEnsures deadlines are met and the operation is legally and contractually compliant.
Three specialised perspectives, a rigorous validation chain, zero blind spots.
-
05
An in-house and external legal department
We have an integrated legal team, complemented by an external partner law firm. They step in at every sensitive stage (preliminary agreement, land-registry checks, non-resident taxation, notarial signing) to make sure that nothing slips through the net.
A local team in Valencia
A dedicated advisor, from the first call to signing
At Alveo Finance, you are never just a file number. A single broker supports you, in French, English or Spanish, from the first simulation to the key handover.
- Team 100% based in Spain
- More than 30 partner banks
- Legal and tax support
- Complimentary post-signing follow-up
4 steps to finance your project
-
01
Analysis of your profile
We review your situation, project and goals during a complimentary first call.
-
02
Putting banks in competition
We query our 30+ partner banks to obtain the best offers tailored to your profile.
-
03
Negotiation and selection
We compare proposals, negotiate the conditions and present you with the most advantageous offer.
-
04
Signing & support
We support you through to the signing at the notary and stay by your side after the purchase.
Your questions, our answers
Can I get a mortgage in Spain as a non-resident?
Yes. Spanish banks finance non-residents, typically up to 60-70% of the purchase price. We support you to optimise your file and secure the best possible rate.
What down payment is needed to buy in Spain?
For a non-resident, expect at least 30 to 40% of the purchase price, plus around 10 to 12% in acquisition fees. We assess your situation on a case-by-case basis.
How long does it take to get a loan?
On average, 4 to 8 weeks between the first simulation and firm bank approval. We do everything we can to speed up your file.
What are Alveo Finance's fees?
Our fees are made up of a launch fee and a closing fee. The launch fee is fully refunded if we do not secure a viable loan offer for you. All pricing is communicated transparently during our discovery calls.
Do you work with every region of Spain?
Yes. We support clients across all of Spain, with particular expertise on the Costa Blanca, Costa del Sol, Valencia, Barcelona and the Balearics.