Our specialist brokers
French expatriate files: that is their job. They know the procedure, the documents, the expectations of Spanish lenders. No wasted time.
Expatriate financing
Financing your Spanish project
Free introduction to our specialist brokers and partner lenders accustomed to French expatriate files. Payslips, tax returns and French balance sheets accepted. Presentation to the right contact, file structured under the best angle.
0 loan-to-value
by profile
by profile
0 max lead time
offer obtained
offer obtained
FR ✓ French income
documents accepted
documents accepted
0 hidden brokerage
costs
costs
The reality of mortgages in Spain
A Spanish mortgage is not a French mortgage
Spanish lenders do not read French payslips the way a French bank does. They do not spontaneously recognise the French self-employed status, nor the French executive payslip, nor the tax return. A file not presented correctly loses time.
Our role is to connect you with our brokers and partner lenders who know how to translate your French profile into Spanish banking language. They present your file in the expected format, negotiate the interest rate, LTV, term and security — and put several lenders in competition for you.
The result: conditions often better than those proposed spontaneously at a branch, and a controlled lead time of between 4 and 8 weeks to align with your notarial signing.
60-80% loan-to-value by profile
FR payslips + tax return accepted
4-8 wks from assessment to offer
Multi-lender BBVA Santander Sabadell…
All profiles studied
Your file presented under the best angle
We study ALL profiles — employees, self-employed, retirees, high-net-worth. It is the lender that decides on each file. Our role: present your file under the best angle to the right lenders, simplify every step.
★ Good to know
30% deposit often required in Spain
In Spain, lenders typically require a 30% deposit for a non-resident mortgage. But our brokers and partner lenders are used to working with us: they can structure files with a smaller deposit depending on profile, or negotiate more favourable terms. That is the advantage of a long-term partnership.
Why go through our partner lenders?
Our partner lenders
Lenders with whom we work over the long term → real dedicated contacts, negotiated conditions, no anonymous account-manager rotation.
Right contact from the start
We present your file to the right decision-maker from the first contact. No queue, no chasing. We save 2 to 4 weeks.
Fully free service
The introduction by our agency is free if you buy your property with us. You only pay the brokers' fees, announced in advance.
Our process
From assessment to the firm offer
01
Free profile assessment
First conversation to understand your situation (income, deposit, property project) and estimate your borrowing capacity in Spain. No commitment, no documents to provide at this stage.
02
File preparation
Collection of income documents (payslips, tax returns, balance sheets, contracts), translation where required, formatting in the format expected by Spanish lenders. We handle all paperwork.
03
Multi-lender negotiation
Presentation to 2 or 3 lenders in parallel, negotiation of interest rate, LTV, term, security, arrangement fees. Systematic competition to obtain the best market conditions.
04
Offer + notarial signing
Comparison of offers, lender selection, signing of the loan offer (FEIN then FiAE in Spain), coordination with your notary in Málaga for the signing of the purchase deed. Everything is synchronised.
Worth knowing
Non-resident or Spanish tax resident?
Your tax status changes the mortgage taxation, purchase taxes and maximum LTV obtained. No need to choose blindly: we assess the impact of both statuses on your project before signing.
Non-resident
- Residence under 183 days/year in Spain
- Typical LTV 60-70%
- IRNR taxation on Spanish income only
- No main-residence tax benefit
- Ideal for second home or investment
Spanish tax resident
- Residence over 183 days/year OR centre of vital interests in ES
- LTV up to 80% on main residence
- Worldwide taxation in Spain (FR-ES anti double-taxation treaty)
- Main-residence tax benefits
- Ideal for long-term relocation
Why through our partner brokers and lenders?
- Free introduction if you buy with us
- Brokers specialised in French expatriates — that is their job
- Partner lenders used to working with us → negotiated conditions
- Presentation to the right contact from the start — no wasted time
- Deposit and conditions negotiated to suit profiles
- No nasty surprises — fees announced in advance, no hidden margin
Your questions
FAQ expatriate mortgage
Concrete answers to the 7 most frequent questions on mortgages in Spain for French nationals.
What financing can I obtain in Spain?
In Spain, lenders typically require a 30% deposit for a non-resident mortgage. Our brokers and partner lenders are used to working with us: they can structure files with a smaller deposit depending on profile, or negotiate more favourable terms. A bespoke assessment defines your real capacity before any commitment.
Are my French payslips accepted?
Yes — it is one of our differentiators. Our partner lenders and brokers accept French payslips, French tax returns, permanent and fixed-term employment contracts, and unemployment benefit statements where applicable. You don't need Spanish income. Documents are translated and presented in the format expected by the Spanish lender.
Do I need Spanish income?
No. Our partner lenders accept French income documents (payslips, tax returns, balance sheets). You can borrow in Spain with only French, Belgian, Swiss or Luxembourg income. The introduction to our brokers and partner lenders is free if you buy your property with us.
What is the average lead time?
Allow 4 to 8 weeks between the first conversation and the lender's firm offer. Our brokers submit your file to several lenders in parallel to save time. We align the dates with your purchase contract so everything is ready for the notarial signing.
How much does brokerage cost?
Brokers invoice their fees directly, announced in advance, with no hidden margin. The introduction by our agency is free when you buy with us. No hidden charges, no clandestine deductions on the conditions of the mortgage obtained.
Which lenders do you work with?
Our brokers work with a panel of major Spanish lenders accustomed to expatriate files: BBVA, Santander, CaixaBank, Sabadell, Bankinter, as well as foreign banks established in Spain. They present your file to the right contact from the outset, which avoids wasted time.
How can I maximise my chances of financing?
Our brokers know how to present to the right lenders from the start. They know how to build a solid file in the format expected by Spanish institutions. This rigorous preparation maximises your financing chances and allows us to obtain conditions often better than those proposed spontaneously at a branch.
Going further
Before and after the mortgage
- Don't yet have your Spanish NIE? It is the first step, essential before any mortgage or signing.
- Want to secure your purchase with a French-speaking lawyer in Málaga? Due diligence, deposit contract, notarial signing.
- Need a tax adviser for expatriates to optimise your annual Franco-Spanish taxation?
- Still exploring the purchase process in Spain or all our expatriate services?
Formulaire de contact
Assess my financing
Free initial conversation, bespoke assessment
Merci !
Votre demande a bien été reçue.
Un de nos consultants francophones vous contactera dans les 24 heures.
Let's discuss your project
Free assessment of your borrowing capacity in Spain. No commitment, transparent quote within 48 h. Together we identify the best lender for your profile.
Speak to an advisor contact@agenciamcspain.com