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Covering all of Spain
Office: Mon - Sat: 9am-6pm
Call our team: +34 611 345 323
Call our team: +34 611 345 323
Covering all of Spain
Office: Mon - Sat: 9am-6pm
Mortgages don't have to be complicated. Here's how we are simplifying the process
Get expert advice or do an affordability check to determine your eligibility for a mortgage in Spain
Get pre-approved through our affordability check and get up to two no-obligation quotes within 48 hours.
Save time by ensuring that you understand the full mortgage process in Spain from the start.
Since 2006 Mortgage Direct have been liaising with banks, estate agents and international property buyers in Spain's ever-changing mortgage market.
In some cases, due to our long-standing banking contacts, we can ensure fast-track approval of your mortgage application.
We negotiate the terms and conditions with various banks to bring you exclusive mortgage conditions only available to Mortgage Direct.
We have a 98% approval rate and our service comes with a money-back guarantee if the terms offered cannot be achieved.
Instant quote
Mortgage Direct provides mortgage solutions for all types of needs
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 morgagesConstruction 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 mortgagesPrimary 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 mortgagesInvestment 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 mortgagesCommercial 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 mortgagesMortgage 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