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Our Premier service for HNW & UHNW Individuals

A bespoke, personal service for HNW & UHNW clients

Mortgage Direct Premier

Mortgage Direct Premier is a personalised mortgage service for High Net Worth (HNW) and Ultra High Net Worth (UHNW) individuals, who want to see the bigger financial picture when buying in Spain.

Our HNW/UHNW team is headed up by Kevin Monger and Howard Steel. Both Kevin and Howard have had long careers in financial services and are highly knowledgeable when it comes to assessing High Net Worth and Ultra High Net Worth client profiles, showing an instinct for which lenders will offer the best terms and the experience to present the profiles in a way that lenders understand.

We are proud to be trusted by many of Spain's largest estate agents and property developers in the luxury market to look after their HNW/UHNW clients for purchases of between €1 – 20 million or more in areas such as Ibiza, Marbella, Mallorca, Barcelona and Madrid.

We have an unparalleled level of experience in the Spanish mortgage market. However, we understand that some clients may not have a suitable income structure to meet local affordability criteria. To deal with this, we also work with a network of global bank contacts who can provide private bank mortgages, guaranteed not only by the property itself, but also AUM (Assets under Management) that can be placed with the lender, making available financing up to 100% of the purchase price.

Why chose Mortgage Direct Premier?

  • Personalised service with a team of multilingual, experienced HNW/UHNW mortgage advisers through to completion
  • Experience in the HNW/UHNW Spanish mortgage market since 2006
  • Fully qualified mortgage advisers with national and international mortgage qualifications, including the recently established exams for Spanish credit intermediaries, in compliance with regulations introduced by the Bank of Spain in 2019
  • Bespoke international mortgages to suit your profile
  • Market leading and fully transparent mortgage conditions
  • Competitive fee charging structure
  • Commercial, SPV, refinancing and bridging finance catered for
Kevin Monger

Kevin Monger

Founding partner & Mortgage Adviser

Kevin was one of the co-founders of Mortgage Direct in 2006 and is a leading expert on Spanish mortgages, gaining the professional qualification for credit intermediaries in Spain shortly after its introduction in 2019. As well as specialising in mortgage advice for high-net-worth clients, Kevin also deals with the PR side of the business and meets regularly with commercial directors at the leading banks to share information and also improve processes and conditions for Mortgage Direct's clients. Prior to setting up Mortgage Direct, Kevin spent 11 years working in the UK pension industry, including 7 years as a consultant for Mercer, one of the world's leading actuarial firms.

Howard Steel

Howard Steel

Mortgage Adviser

Howard holds a degree in Modern Languages and Business and both the UK and Spanish regulatory qualifications for mortgage advice. He has spent most of his career at a large Spanish bank, initially working as a branch manager looking after high-net-worth clients, and later worked as a Global Relationship Manager within Corporate Banking. Howard joined Mortgage Direct in 2018, he travels frequently between the UK and Spain, is fluent in Spanish and specialises in HNW (High Net Worth), UHNW (Ultra High Net Worth) and Commercial mortgages.

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