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  • Call our team:
    +34 963 156 011

  • Covering all
    Spain and Portugal
    Covering all
    Spain & Portugal

  • Office hours:
    Mon - Sat: 9am - 6pm: 9am-6pm


Instant easy quote

Get expert advice or do an affordability check to determine your eligibility for a mortgage in Spain

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Complete pre-approval

Get pre-approved through our affordability check and get up to two no-obligation quotes within 48 hours

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

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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).

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.

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%.

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.

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%.

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.

Some coverage we've received

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