Finance prime residential property in Madrid, the Balearics and the Costa del Sol. We structure mortgages from €1M and manage the process through completion.
Discuss your project
Prime mortgage markets
Spanish banks can finance international buyers, but non-resident underwriting, foreign income and the bank valuation shape the available leverage.
These representative structures show the profiles we prepare for Spanish private-banking teams. Final terms depend on the complete borrower file, property and independent valuation.
Representative structures
Prime property networks
Representative structureTechnology founder · USA
Lives in New York
Target market Madrid
Dollar income, listed equity and US investment assets presented for a prime Salamanca acquisition.
Representative structureEntrepreneur and investor · United Kingdom
Lives in London
Target market Mallorca
Variable company distributions and offshore assets structured around a substantial second-home purchase.
We assess the borrower before valuation costs and contractual deadlines begin. The file is then placed with Spanish or international lenders that can onboard the buyer’s residence and income profile.
We coordinate the lender, approved valuation, your legal adviser and the Spanish notary. The mortgage and purchase deed follow a country-specific pre-closing process.
Discuss your project24 to 48h
We review residence, income, assets, target property and expected contribution, then identify lenders able to consider the profile in Spain.
3 to 6 weeks
We present the file to suitable Spanish or international lending teams, negotiate terms and coordinate the bank’s approved property valuation.
3 to 5 weeks
We coordinate the bank, legal adviser and notary through the pre-contract information, mortgage deed and release of funds at completion.
Common client profiles
Our European mortgage practice is led from Paris. Hervé supports US and Americas-based buyers from Boston. Your financing stays with a senior adviser from first review to closing.
Senior partners · Europe & United States
Founding Partner
Paris, FranceUnited Kingdom · Africa · Asia
Partner · Europe
Paris, FranceEurope · Middle East · Oceania
Partner · Americas
Boston, USANorth America · LATAMFrench registration
Mortgage intermediation is a regulated activity. Our registration, permitted activity and responsible authority can be checked directly in France’s official register.
Official registration
ORIAS N° 25008593Mortgage-credit intermediation · JAYLO SASORIAS maintains France’s official register of insurance, banking and finance intermediaries under the authority of the French Treasury. The public record identifies the intermediary’s registered activity and names the ACPR as the authority responsible for this category.
Yes, subject to the bank’s country, income and compliance criteria. Non-resident files usually require stronger documentation and more equity than a comparable resident application.
Our focus is Madrid, Mallorca and Ibiza, Marbella and the wider Costa del Sol, and selected prime property in Barcelona and other established locations.
Foreign buyers generally need a Spanish foreigner identification number for the transaction. Start that process early with your legal adviser rather than waiting for bank approval.
A mortgage property must be valued by an approved appraisal company. The valuation informs the security value, but the bank also makes a separate decision on your repayment capacity and complete risk profile.
Much of the underwriting can be completed remotely. Your lawyer and notary will confirm which identification, powers of attorney and signing steps require specific formalities.
Before signing an arras or other binding purchase commitment. The financing assumptions and timeline should be aligned with the contract and deposit before you become exposed.
Share the location, budget and financial profile. A senior partner will review likely Spanish bank appetite within one business day.
Journal
A Spanish mortgage is not only a valuation and an interest rate. For an international buyer, residence, foreign income, the purchase contract and the statutory pre-signing process must all work together.
By Louis-Félix Salley · 10 min read
The best financing route is defined by the borrower, the property and the desired structure—not by a rate table. Here is how conventional and private-bank underwriting differ.
By Louis-Félix Salley · 10 min read
In Italy, the borrower, the property and the legal route are reviewed in parallel. International buyers should settle reciprocity, ownership, documentation and bank fit before a proposal becomes binding.
By Louis-Félix Salley · 10 min read