MORTGAGE COORDINATION IN SPAIN
Getting a mortgage in Spain as a non-resident is more complex than most buyers expect — and is often only clear when it's too late.
Different rules. Different banks. A long list of required documents — and no one explaining what comes next.
Casa Connecta structures the process, prepares your file and coordinates with licensed Spanish mortgage advisors — so you always know where you stand.
We don’t advise on mortgages. We make sure the process around it works.
Takes 2 minutes. No obligation. Clear initial answer.
THE CHALLENGE
Spanish banks don't work the way most buyers expect.
As a non-resident, you’re typically limited to 60–70% financing. You’ll need to submit extensive documentation in a specific format. And the banks assess your application conservatively — often without explaining why something was declined or delayed.
Most buyers go in underprepared. Files get rejected. Processes stall. And by the time things go wrong, the purchase timeline is already under pressure.
The problem isn’t the mortgage itself. It’s the lack of structure around the process.
Most buyers only find out whether their mortgage is feasible after they’ve already committed to a property — when it’s too late to change direction. Don’t be one of them.
WHAT WE DO
We structure the process — so you can focus on the property.
Casa Connecta is not a mortgage advisor. We don’t recommend products or negotiate rates.
We don’t replace the advisor. We make sure they can do their job properly.
We make sure everything around the mortgage is structured and aligned — so your file reaches the bank complete, clear and ready.
- Pre-screening your documentation before anything is submitted
- Preparing your mortgage file to meet Spanish bank standards
- Coordinating with licensed Spanish ACI mortgage advisors
- Keeping communication between all parties aligned and on track
- Tracking progress and flagging delays before they become problems
- Maintaining a realistic overview of the timeline and next steps throughout
Mortgage advice and product selection are handled by our licensed Spanish ACI partners. Our role is to make sure the process around that advice is structured, transparent and working in your interest.
HOW IT WORKS
What working with us looks like in practice — from first conversation to mortgage offer.
01
We start with your situation
We begin with a short intake to understand your plans, timeline and financial situation. No commitments, no obligations — just clarity on where you stand.
02
We assess your profile
Based on your situation, we give you an honest initial indication of what’s realistic when applying for a Spanish mortgage as a non-resident. No false promises.
03
We prepare your file
We structure your documentation according to Spanish bank requirements and coordinate with our licensed ACI mortgage advisors — who handle the formal mortgage advice and bank contact.
04
We stay involved throughout
We track the process, keep communication clear and make sure you’re informed at every stage. No surprises. No radio silence.
Most mortgage processes take 3–6 months from first conversation to a binding mortgage offer. We’re with you throughout.
IS THIS FOR YOU?
You're probably in the right place if...
- You’re planning to buy property in Spain as a non-resident and need financing
- You’ve looked into Spanish mortgages and found the process unclear or confusing
- You want someone to structure and manage the process — not just advise on it
- You want to approach the bank with a complete, well-prepared file
- You want one clear point of contact — independent from the bank and the advisors
If any of these sound familiar, you’re exactly the type of client we work with.
WHY CASA CONNECTA
Why international buyers choose Casa Connecta for mortgage coordination.
01
We work for you only
Not for the bank. Not for the advisor. Not for the agent. Our role is to make sure the process works in your interest — from start to finish.
02
We know what Spanish banks really need — in practice.
We know how Spanish banks assess non-resident applications and what makes a file complete. That preparation makes a real difference.
03
We work with licensed advisors
Formal mortgage advice is provided by our regulated Spanish ACI partners — so you get both independent coordination and qualified advice from the right parties.
04
We keep everything clear
No jargon. No vague updates. We communicate in your language at every stage and make sure you always understand what’s happening and why.
05
We're upfront about what's realistic
We don’t overpromise. If something isn’t feasible, we’ll tell you — and explain why. That honesty saves time and avoids disappointment later.
MORTGAGE GUIDE
New to Spanish mortgages? Start here.
The Spanish mortgage process works differently from most European countries — different LTV ratios, different documentation requirements, different timelines.
We’ve put together a straightforward guide covering everything non-resident buyers need to know — from how much you can borrow to what documents the bank will ask for.
GET STARTED
Find out what's actually possible in your situation.
Fill in a short form and we’ll come back to you with a clear picture of your mortgage options in Spain — based on your specific situation.
You don’t need to prepare anything yet — we’ll guide you through the first step.
No obligation. No sales call. Just clarity.
Casa Connecta coordinates and structures the process exclusively on the buyer’s side.
RELATED SERVICES
Planning a renovation after buying?
Many of our clients combine mortgage coordination with renovation planning. Once the purchase is complete, we can coordinate the full renovation — contractors, budgets, timelines and communication — from the same independent position.