Mortgage broker · Marbella
Mortgage broker in Marbella: for residents and international buyers
Marbella has the most international property market on the Costa del Sol, which means the right mortgage strategy depends heavily on your residency status, your currency of income, and the type of property you're buying — Marbella centre, San Pedro, Nueva Andalucía or Puerto Banús. We compare Spanish lenders and tell you honestly what's realistic before you make an offer.
- Residents: up to 100% financing with a guarantor
- Non-residents: typically 60-80%, depending on profile
- Experience with GBP, USD and other foreign-currency income
- English-speaking, from first call to notary signing
60–100%
Financing, depending on residency and profile
Two very different buyer profiles, two different strategies
A Spanish tax resident buying their main home in San Pedro can realistically pursue close to 100% financing with a guarantor. A non-resident buying a second home in Nueva Andalucía or Puerto Banús is a different case entirely: expect 60-70% financing, sometimes up to 80% for very strong profiles, never 100%.
We identify which category your operation falls into from the first conversation, so we present it to banks that are actually a good fit — not the ones that will say no.
Buying through a company
Some purchases in Marbella, particularly at the higher end, go through a corporate structure rather than a personal purchase. This changes the product from a personal mortgage to one backed by corporate guarantees, and not every lender offers this on the same terms. We assess this case by case, as it affects rate, term and required documentation.
Frequently asked questions
Can I get 100% financing on a property in Marbella?+
For residents with a strong profile and a guarantor, getting close to 100% is possible. For non-resident buyers, Spanish banks typically cap financing at 60-70%, up to 80% for very strong profiles — 100% is not realistic without substantial additional guarantees.
I have income in GBP or USD — can I still get a mortgage in Marbella?+
Yes. We work with lenders that assess foreign-currency income regularly, applying a conversion rate with a safety margin. The financing percentage and rate depend on your country of income, not just the amount.
What's the difference between buying in Marbella centre and Puerto Banús?+
It isn't really about the financing percentage itself, but about valuation and buyer profile. Nueva Andalucía and Puerto Banús are dominated by high-end and second-home purchases; Marbella centre and San Pedro have more of a mix with primary residences. We present the operation differently depending on which bank suits each profile best.
How long does it take for a non-resident to get approved in Marbella?+
Typically 8-12 weeks, longer than for a resident because of extra documentation (tax residency, source of funds, foreign income verification). Starting the paperwork before finding the property saves time later.
Talk to a mortgage advisor in Málaga
Free, no-obligation assessment. We only charge if your mortgage is approved and signed.