Realistic assessment
We estimate buying capacity, affordability, savings requirements and potential weaknesses before approaching lenders.
Clear mortgages. Confident decisions.
Your mortgage should not depend on a single offer.
We assess your situation, organise the documents, compare alternatives and negotiate while keeping your priorities at the centre of every decision.
✓Personal guidance✓A step-by-step process✓Service in ES · EN · FR
Your case firstNo generic solutions
More optionsWe compare different lenders
One point of contactSupport throughout the process
Multilingual serviceSpanish, English and French
Why SPA Finance
A well-prepared mortgage application starts before speaking to a bank.
We help you understand your buying power, required documents and the best way to present your circumstances with a coherent strategy.
Meaningful comparison
We look beyond the headline rate and review linked products, fees, flexibility, total cost and suitability.
Support through completion
We coordinate documents, offers, valuation, ESIS/FEIN, notary requirements and follow-up to reduce surprises.
Services
Mortgage advice for straightforward purchases and cases that require a tailored strategy.
We select the approach according to your personal, employment and financial circumstances and the type of property.
Property purchase
Affordability assessment, application preparation and mortgage sourcing for a main home, second home or investment.
Tell us about your case →High loan-to-value cases
We assess applications that require above-standard financing, subject to profile, security and each lender’s criteria.
Tell us about your case →Non-residents
Guidance for buyers living outside Spain, including document review and communication in English or French.
Tell us about your case →Self-employed and complex profiles
We organise income, tax returns, track record, liabilities and evidence so the application is easy to understand.
Tell us about your case →Remortgage or improve terms
We review your current mortgage and consider renegotiation, lender switching or refinancing alternatives.
Tell us about your case →Estate agent partnerships
Mortgage support for property professionals who want to assess buyers’ financial viability earlier.
Tell us about your case →How we work
A simple, transparent process designed for better decisions.
Each stage has a clear purpose. You will know what is complete, what is missing and what happens next.
We understand your goal
We collect the essential information about applicants, income, savings, debts, property and expected timescale.
We assess viability
We model scenarios and identify missing documents, risks or changes that may be needed.
We prepare and compare
We organise the application and compare suitable options for your circumstances.
We negotiate and guide you
We review proposals and follow the mortgage through to notarial completion.
Indicative calculator
Get an initial estimate of your monthly payment.
Enter the purchase price, your contribution, term and an estimated interest rate. The result is illustrative and does not replace a personalised assessment.
Final lending depends on purchase price or valuation, income, employment stability, liabilities, age, available savings, property purpose and lender criteria.
Applicant profiles
Especially useful when your application does not fit an automated answer.
First home
Self-employed
Temporary contracts
Non-resident buyers
High LTV
Second home
Property investors
Joint applicants
Our commitment
What you can expect when working with SPA Finance.
Clarity before commitment
We explain what each proposal means, its cost and the commitments involved.
Genuine follow-up
We centralise the information and tell you what is missing and what action is needed.
Strategy, not guesswork
We prepare the application and anticipate issues that may delay or block it.
Frequently asked questions
Clear answers before you begin.
An initial no-obligation review may be carried out to understand your situation and whether the application can be worked on. Service terms and any applicable fees are explained before engagement.
Some cases may achieve high financing, but there is no automatic guarantee. It depends on income, stability, savings, security, price, valuation and lender criteria. We first assess whether the goal is realistic.
Yes. The website and service are available in Spanish, English and French. We review the documentation commonly required from non-residents and coordinate the process remotely.
Requirements depend on the applicant. They commonly include identification, income evidence, employment or business records, tax returns, bank statements, savings, liabilities and property documents. You will receive a tailored list after first contact.
Timing depends on complexity, document readiness, valuation, lender and the purchase situation. We will give you a realistic estimate and explain possible blockers early.
Yes. It is sensible to assess affordability and financial headroom before taking on commitments, particularly where high financing or tight deadlines are involved.
Let’s talk
Tell us what you want to buy and where you are in the process.
We will reply in writing to understand the application and agree the next step with you.
Initial contact in writing
Preliminary viability review
Specialist call when agreed with you