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    Spain and Portugal

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Save time by ensuring that you understand the full application and mortgage process in Spain

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Kevin from Mortgage Direct

Meet Mortgage Direct

Totally independent advice

Since 2006 Mortgage Direct have been liaising with banks, estate agents and international property buyers in Spain's ever-changing mortgage market. We have adapted our independent service to the needs of property buyers such as you and we continue to negotiate with the banks to provide you with preferential deals both in terms of interest rates and speed of completion.

Fast track approvals

In some cases, due to our long-standing banking contacts, we can ensure fast-track approval of your mortgage application.

Exclusive conditions

We negotiate the terms and conditions with various banks to bring you exclusive mortgage conditions only available to Mortgage Direct.

98% Approval!

We have a 98% approval rate and our service comes with a money-back guarantee if the terms offered cannot be achieved.

Mortgage Products

A full range of
mortgage solutions

Mortgage Direct cover "standard" applications as well as providing mortgage brokerage services in specialist areas.

Holiday home mortgages

Holiday home mortgages are available for private non-resident property buyers, who are not Spanish residents. The maximum borrowing amount is up to 70% of the property purchase price (or valuation if lower).

Holiday home morgages

Construction mortgages

Construction mortgages are for property buyers who wish to build a new house from the ground up or to renovate an existing property. The maximum borrowing amount is generally 50% of the plot cost plus 70% of the cost of the works.

Construction mortgages

Primary residence mortgages

Primary residence mortgages are for those who will live in their property in Spain as their main residence and pay their income tax here. It's possible to secure mortgages up to 80% of the property purchase price (when you are a Spanish taxpayer) with rates from Euribor + 0.99% or fixed rates from 1.95%.

Primary residence mortgages

Investment mortgages

Investment mortgages are for those property buyers planning to rent out their property after purchase. Generally speaking, banks will only offer 50-60% of the property purchase price (or valuation if lower) for these types of mortgages.

Investment mortgages

Commercial mortgages

Commercial mortgages, including mortgages taken out by companies, are for those who seek to buy property for commercial purposes and might include investment mortgage. Available up to 50% of the property purchase price with rates from Euribor + 2.1%.

Commercial mortgages

Bridging finance

Mortgage Direct can help you arrange Bridging Finance throughout Spain for amounts in excess of €500,000 for loan terms of up to 36 months and up to 65% LTV. Interest rates are available from 0.70% pcm and different sectors are considered.

Bridging finance

Some coverage we've recieved

Mortgage Direct in the news

Testimonials

Words from our happy clients

Todo salió de maravilla

Soy un extranjero no residente en España y recibí la ayuda de Mortgage Direct S.L. para obtener un crédito y... read on

MD are very professional and knowledgeable

We were introduced to MD by our lawyer as an option to consider partial finance of a property in Valencia... read on

Confident our clients are looked after

Michael Moon are always happy to work with Mortgage Direct. We want to be sure that our clients are looked after... read on

Pre-empting the situation ahead

Katherine supported me in getting a Spanish mortgage I needed during an extremely difficult time for the economy in Spain.... read on

Would like to say a big thank you!

Sarah and I would like to say a BIG THANK YOU for all your individual and collective efforts in enabling... read on

Testimonial – Nigel Cresswell

Katherine from Mortgage Direct made a daunting process simple….and walked me through step by step until everything was complete. Superb... read on