Expert Mortgage Brokerage Services
Our mortgage brokerage services connect clients with the best financing options in Spain's complex lending market. We leverage our extensive network of Spanish banks, international lenders, and private financial institutions to secure favorable terms for residential and commercial properties. Our team specializes in understanding the unique challenges faced by different client profiles—from Spanish residents to international investors—and developing tailored financing strategies that align with your financial goals and property aspirations. We guide you through the entire process, from initial application to final closing, ensuring transparency at every stage and advocating for your best interests throughout the negotiation process. Our multilingual brokers are particularly skilled at helping foreign buyers overcome the traditional barriers to obtaining Spanish mortgage financing.
Mortgage Applications
Comprehensive assistance with preparing and submitting mortgage applications to Spanish banks and international lenders, with specialized knowledge of documentation requirements for both residents and non-residents.
Rate Negotiations
Expert negotiation with multiple Spanish and international lenders to secure the most competitive interest rates and favorable terms, including fixed, variable, and mixed-rate options adapted to your financial profile.
Refinancing Services
Strategic advice on mortgage refinancing opportunities in the Spanish market to lower payments, change loan terms, or access equity, with a thorough analysis of early repayment penalties and tax implications.
Commercial Financing
Specialized mortgage and financing solutions for commercial real estate investments throughout Spain, including development loans, investment property financing, and hospitality sector lending.
Non-Resident Mortgages
Specialized assistance for non-resident buyers seeking financing for Spanish property purchases, with expertise in navigating the unique requirements and challenges faced by international investors.
Mortgage Contract Review
Detailed legal analysis of mortgage contracts before signing to identify and negotiate unfavorable clauses, ensure transparency, and protect your interests against potential abusive banking practices.
Why Choose Our Real Estate Legal Services?
Specialized Expertise
Our attorneys focus exclusively on real estate law, providing deep expertise in this complex field.
Client-Centered Approach
We prioritize clear communication and personalized attention for every client.
Comprehensive Service
From due diligence to closing, we handle all legal aspects of your real estate transactions.
Cost-Effective Solutions
We deliver high-quality legal services with transparent, value-based pricing.
Our Mortgage Process
Initial Consultation
We assess your financial situation and discuss your goals and requirements.
Market Research
Our team identifies and evaluates multiple lending options to find the best fit.
Application & Approval
We guide you through the application process and advocate on your behalf.
Types of Mortgage Solutions
Residential Mortgages
Refinancing Solutions
Commercial Mortgages
- Commercial property acquisition
- Multi-family property financing
- Development and construction loans
- SBA loans
- Bridge financing
Specialized Programs
The Advantage of Working with Our Mortgage Brokers
Access to Multiple Lenders
We work with numerous lenders to find competitive rates and terms not available directly to consumers.
Time and Stress Reduction
We handle the research, paperwork, and negotiation, saving you time and reducing stress.
Personalized Guidance
We provide tailored advice based on your unique financial situation and goals.
Legal and Financial Integration
Our mortgage and legal services work together seamlessly to protect your interests.
Frequently Asked Questions
Find answers to common questions about our legal services and processes.
For your initial consultation, please bring any relevant documents related to your case. For real estate matters, bring property records, Spanish contracts, or correspondence. For immigration cases, bring your passport, visa documents, and any previous Spanish residency applications. For mortgage issues, bring financial statements and any existing loan documents. This helps us provide the most accurate assessment of your situation.
The time frame for purchasing property in Spain typically ranges from 1-3 months, depending on financing, property conditions, and other factors. Cash transactions can complete more quickly. Our team works to expedite the process while ensuring all Spanish legal requirements are properly addressed to protect your interests.
Spain offers several residency options for non-EU citizens, including the Golden Visa (for investors purchasing property valued at €500,000+), Non-Lucrative Visa (for those with sufficient financial means), Entrepreneurship Visa, Work Visa, and family reunification options. Our immigration attorneys can assess your situation and recommend the most appropriate path for your circumstances.
Mortgage brokers in Spain act as intermediaries between borrowers and multiple lenders, helping you find the best rates and terms across various Spanish and international banks. Direct lenders, like Spanish banks, can only offer their own loan products. Our mortgage brokerage services provide access to numerous lending solutions, increasing your chances of securing favorable financing tailored to your specific needs and circumstances
Our fee structures vary depending on the type of legal service. We offer flat fees for many standard services like Spanish property purchases and certain residency applications. For more complex matters, we may use hourly billing. Mortgage brokerage fees are typically paid as a percentage of the loan amount. During your initial consultation, we provide transparent information about all costs and payment options.