Personal service
An experienced team that looks after each client in their own language.
Partner with us
Your clients’ mortgage, from the first call to the notary.
For real estate agencies, lawyers and advisors working with international buyers. Introduce your clients and I take care of their financing with the support of Mortgage Direct, so your sales close faster and with fewer surprises.
Mortgage Direct in figures
- Years in mortgages
- 20+
- Mortgages completed
- 5.000+
- Approval rate
- 95%
- Average mortgage (2025)
- €400K
- Google rating
- 4,9
- Lenders
- 20+
A team of 40+ people and around 20 mortgage advisors, with support in 8 languages. Mortgage Direct · ACI/24/0056.
Why Mortgage Direct
Experts in non-residents and international clients.
Getting a Spanish bank to lend to a non-resident with no tax history in Spain can be difficult. Language barriers, document translations, impersonal service and missing documents often delay applications or even cause rejections. We remove those obstacles and secure better rates on the mortgage.
Faster processing
Agile, automated processes and preferred relationships with lenders reduce processing times.
High approval rate
Around 95% of applications are approved. Money-back guarantee if the client’s profile is not initially validated.
Better conditions
Thanks to our volume, clients access rates 0.5% to 1% lower than applying directly, without unnecessary extras such as insurance or alarms.
For you and your clients
How we make it easier.
Viability check
A quick, no-commitment review of eligibility, with a clear overview of the rates and conditions available.
Lender strategy
Our knowledge of each lender’s criteria lets us match the client with the one most likely to approve.
File preparation and support
We handle the whole mortgage process, from preparing the file to guiding the client through every step.
Working together
How you can help as a partner
- 1
Start early
Check the client’s eligibility from the very beginning.
- 2
Explain the funding
Clients need at least 30% of the purchase price, plus 8–13% for costs and taxes (depending on the province).
- 3
Avoid extra mortgages
Advise clients not to take out new mortgages in their home country during the process.
- 4
Introduce us
Put your client in touch with us early. We take it from there and keep you updated at every step.
- 5
Approval
With the full documentation, full bank approval can be secured in as little as two weeks.
The process
How we work
- 01
Introduction + Affordability Check
We get to know the client and analyse their profile and financial needs.
- 02
Financing proposal
We provide the client with a mortgage quote, at no cost and with no obligation.
- 03
Start of the process
The client signs our terms and sends the documents. We prepare the application, select the best-suited lender and may instruct the valuation.
- 04
Approval
The lender’s risk department confirms the approval and we present the offer to the client.
- 05
Introduction to the lender
The client is introduced to the bank, accounts are opened and the paperwork is prepared for signing.
- 06
Completion
The client signs the purchase and mortgage deeds at the notary and the funds are transferred.
Solutions
What we offer
Mortgages
- Main residence finance
- Holiday home mortgages
- High-value mortgages
- Equity release
- Bridging finance
Purchase + renovation
- A mortgage structure covering both the purchase and the renovation, all at a competitive mortgage rate.
Private bank financing
- High-value mortgages for HNW clients
- Interest-only options
- Investment relationship (AUM)
- Financing up to 100%
- Lombard loans, secured against your investment portfolio
Development finance
- Short-term development finance
- Long-term mortgages for self-build properties
- Funding for developers
Non-residents
Finance options for non-residents
- Non-residents can borrow up to 75% of the purchase price.
- Loan terms can run until the applicant is 75, and in some cases 80.
- Plan on bringing around 38–43% of own funds into the purchase, from savings or equity release on another property.
- Fixed, variable and mixed interest rates are available.
- Buying through a company can give access to a higher mortgage amount.
Lenders
Access to more than 20 lenders
- CaixaBank
- Santander
- Sabadell
- Bankinter
- Unicaja
- ABANCA
- Deutsche Bank
- Banca March
- UCI
- BPI
- EVO Banco
- Targobank
- Globalcaja
From Spanish banks to national and international private banks. Selection of lenders Mortgage Direct works with.
Become a partner
Let’s work together.
Tell me about your business and I will contact you to explain how we can collaborate and help your international clients buy with confidence.
Refer a client
Introduce a client.
Do you have clients who might be interested in getting a mortgage in Spain? Share their details and yours, and I will take care of the rest. You’ll know how their application is going at every step.