Mortgage broker · Málaga & Costa del Sol
Buying property in Málaga? We negotiate your mortgage for you.
We are an independent mortgage broker based in Málaga. We compare offers from multiple Spanish banks — including 100% financing and specialist terms for non-residents and foreign buyers — and handle the process for you, in English, through to completion at the notary.
- Free, no-obligation mortgage assessment
- We only charge a fee if your mortgage is approved and signed
- Registered financial intermediary — Nº 218/2018, Bank of Spain & AECOSAN
- English-speaking support throughout the process
60–100%
Financing available, depending on residency status and profile
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Foreign buyer receiving the keys to a property in Málaga
600×750 + 1200×1500 · 4:5
Why work with a mortgage broker instead of going directly to a bank
A single bank can only offer you its own product and its own risk criteria. As an independent broker, we compare several Spanish lenders at once and present your case to the ones most likely to approve it — whether you need 100% financing, have income from outside Spain, or have already been turned down elsewhere.
We work with residents and non-residents alike, and we are used to handling international paperwork: NIE, proof of funds, foreign payslips and self-employment income, tax residency certificates, and translated or apostilled documents.
Mortgages for non-residents and foreign buyers
If you are not a Spanish tax resident, Spanish banks typically finance between 60% and 80% of the property value, rather than the 100% sometimes available to residents. We explain honestly what percentage is realistic for your situation before you make an offer on a property — no false promises.
We work with lenders experienced in foreign income (GBP, USD, EUR from abroad, and other currencies), and coordinate the whole process remotely where possible, with in-person attendance only required for the final signing at the notary.
Where we work
We are based in Málaga and cover the whole province, including the most sought-after areas on the Costa del Sol for international buyers: Marbella, Estepona, Benalmádena, Fuengirola, Mijas and Torremolinos.
Frequently asked questions
Do you speak English?+
Yes. We regularly work with international clients and can handle your mortgage process in English, from the first call to the signing at the notary.
Can I get a 100% mortgage in Spain as a foreigner?+
If you are a non-resident, a 100% mortgage is unlikely without significant additional guarantees. The realistic range is usually 60-80% of the valuation. If you are already a Spanish tax resident, higher percentages — including close to 100% with a guarantor — are possible.
What documents do I need to start?+
Passport or ID, NIE, proof of income (payslips, tax returns, or company accounts if self-employed), and recent bank statements. If your income is in a foreign currency, we may also ask for further evidence of stability.
Is the initial assessment really free?+
Yes. We only charge a fee if your mortgage is approved and signed. There is no cost or obligation to get an initial assessment of your case.
Talk to a mortgage advisor in Málaga
Free, no-obligation assessment. We only charge if your mortgage is approved and signed.