Your Mortgage in Spain

1 minute

It doesn’t take long to send us your mortgage requirements.

Welcome!
It's simple

We aim to provide our clients with the best possible mortgages for Spanish property purchases. As a licensed mortgage broker we specialize in finance for international clients. We want to advise our clients from start to finish in the process, working closely with real estate agents, solicitors and banks. 

Learn more about our mortgages

Licensed

Registered under the new Spanish Real Estate Mortgage (LCCI) regulation. Read more here.

Independent

We work with numerous banks to provide our clients with best options.

 

International

We provide mortgages for buyers from all over the world buying in any area of  mainland Spain as well as the islands..

Online

The whole process can be done online, with the support of our technology. 

Efficient

We get you the best possible mortgage and coordinate the whole process with your property agent and solicitors.

Experienced

We have obtained many mortgage deals working with a variety of lenders, client nationalities, areas and property budgets.

Where
To start

Contact us! We will call you shortly so we can know more about your needs. We love to speak to our clients!

Check out our Mortgage calculator. You can see how much your repayments would be, or estimate your eligibility for a mortgage.

Still in doubt? Read in the testimonials section what our clients say about us!

Let´s get in touch

This is what some of
Our clients say about us

Trustpilot
Huub
★★★★★
From The Netherlands
I am so glad I found them on the internet as I have tried it with another company and that was not a success. They guide you true the whole process. Even the Notary was surprised by the mortgage they found for us! You are my heroes and thank you once again for all the communication and the step by step guidance.
Alessandro
★★★★★
From Italy
Simply without Hipoteken I could not have purchased my new property. The team helped and supported me throughout the entire process. I recommend Hipoteken.
Sam
★★★★★
From UK
Hipoteken have been a God send in helping arrange our mortgage not least because I am self employed in the UK and had difficulty proving my income as regular. With all these difficulties, they were still able to get us a mortgate to buy our home and were very professional all the way. Thanks so mucH, we really appreciate your help!
Armin
★★★★★
From Germany
Not being really aware about the way of banking/financing in Spain, we can fully recommend to cooperate with Hipoteken! Good and fast communication, processes explained in detail by the Hipoteken Team ! 5 Star rating from my side!
Florian
★★★★★
From Germany
Hipoteken guided and consulted us to get a mortgage in Spain to finance our apartment in Valencia. As a foreigner it is not easy to understand all different aspects and procedures of buying a house in Spain, but Hipoteken team did really great, organized and managed everything with the bank and they were really patient with all of our questions. I can fully recommend their service!
Daniel
★★★★★
From UK
The team were very knowledgeable and had a lot of contacts that were able to help us at every step of the way. We approached other brokers and banks directly and we could not get the offer we wanted. Raj and the team worked relentlessly and by using their relationships with the banks, they managed to secure us the best deal and everything went through smoothly.
Karin
★★★★★
From the Netherlands
I had a somewhat more difficult mortgage application as a self-employed person. Raj understands his profession as the best. With an unbridled energy he applied for my mortgage at various banks and eventually got it. Not only did he get it done, but also with very good conditions. I am so very happy that Raj has come my way, otherwise I could have forgotten my dream of having a house in Spain.
Wim
★★★★★
From the Netherlands
Wij hadden onlangs een huis gekocht in de buurt van Valencia wij Hipoteken International Mortgages leren kennen. Wij een verademing. Raj en zijn team zijn professionals, snappen de diverse internationale verschillen en acteren razend snel en betrouwbaar. Wij hebben volledig op hun gesteund en vertrouwt. Dit vertrouwen is nooit beschaamd. Ik raad daarom om Hipoteken International Mortgages van harte aan als een profesional, betrouwbaar, toegankelijk bedrijf.
Melissa
★★★★★
From USA
We were introduced to Raj who very quickly responded to our initial query and then took on the process of assisting us in securing our mortgage. Our situation was a bit tricky and Raj managed all of the questions and information requests from the bank (and us) with ease, and was only ever courteous and professional. He secured us a great deal and managed the entire process through to the final signing, ensuring we understood every thing that was happening. Highly recommend!
Rick
★★★★★
From USA
Seriously can't recommend Raj highly enough. Without him we would have never been able to navigate the confusing bureaucratic nightmare and he came to our rescue above and beyond the call sooooo many times. Descriptive words for Raj and how he helped us: patient, highly professional, knowledgeable and experienced are just a few. We would work with him again in a heartbeat.
Thomas
★★★★★
From Austria
As an Austrian resident in Austria, obtaining a mortgage from a Spanish bank to finance a construction project near Barcelona initially seemed very complicated. Even though Hipoteken International Mortgages, with Raj and his team, is based in Valencia, they immediately found a Spanish bank near my construction site. I would like to express my sincere gratitude and ask you to keep up the good work!
Jonathan & Victoria
★★★★★
From UK
Raj was efficient and professional from start to finish, from quickly finding the best offer, through the process of collecting documents and assuring the approvals, and crucially throughout the closing process. We’d highly recommend his services!

FAQs

Can I get a mortgage in Spain as a non-resident?

Yes, you can get a mortgage in Spain if you are a non-resident. Learn more…

A mortgage broker like Hipoteken helps you find the best deals quickly and easily by comparing offers from multiple banks. You benefit from expert guidance, exclusive mortgage options, and a smoother process from start to finish. Learn more…

Once we have your documents, you can get a mortgage offer within 48–72 hours (or even 24 for urgent cases). The full process — from offer to completion — usually takes 4–8 weeks. Learn more…

It depends on your finances and the property’s value. Most banks lend up to 70%–75% of the property price and ensure your repayments stay under 30% of your income. Try our affordability calculator for a personalized assessment. Learn more…

Your deposit depends on the bank’s Loan-to-Value (LTV) offer. Expect to contribute 30%–40% of the property price plus taxes and fees, depending on your residency and location. Learn more…

Typical costs include taxes, legal and notary fees, registration, and mortgage expenses. The total varies by region, property type, and personal circumstances. Learn more…

You don’t need a NIE to start your mortgage application — your passport is enough. However, you’ll need it before completing your property purchase, so it’s best to apply early. Learn more…

Leave your mortgage application to us, we will take care of it all and make sure we try all possible options to get you the mortgage you need!

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