logo vivafinance blue and white
YOUR MORTGAGE IN SPAIN, SIMPLIFIED

Spanish Mortgages for International Buyers.

Independent mortgage guidance for buyers who want clarity on borrowing capacity, deposit requirements and lender options in Spain — with personal support from start to finish.

Check my mortgage options ↓Speak with an advisor ↗
Free initial reviewResidents & non-residentsBank of Spain registered · E551
Registered · Nº E551Banco de España
International buyersForeign income & non-residents
Multiple lending criteriaOptions suited to your profile
Personal guidanceFrom first assessment to completion
START HERE · NO OBLIGATION

What could your Spanish mortgage look like?

Answer four questions and explore indicative borrowing, deposit and purchase costs. Then decide whether you'd like a personal review.

FREE MORTGAGE SNAPSHOT

Check your Spanish mortgage options

Get an indicative mortgage, deposit and buying-cost estimate in under a minute. No personal details required.

Bank of Spain registered Independent mortgage support For international buyers
Select all fields to see your personalised mortgage snapshot.
Personalised overview

Your mortgage snapshot

—

Book a free review
Estimated mortgage — —
Estimated deposit — Deposit before purchase costs
Estimated purchase costs — Resale property estimate
Total cash needed — Deposit + estimated costs
01

Mortgage expectations

—

02

Your document plan

    03

    Regional buying costs

    —

    Estimated property tax —
    Costs are indicative and depend on property type, region, price brackets and buyer profile.
    Want a detailed affordability check? Use our full Spanish Mortgage Pre-Assessment Tool for DTI, term and payment examples.
    Open full tool
    WHY VIVA FINANCE

    Not just a mortgage rate. The right approach to your case.

    The right mortgage is not only about the headline rate. It is about understanding which lenders may suit your profile, how much cash you need and how to prepare your case properly before committing to a purchase.

    Profile-led advice

    Profile-led advice

    We start with your income, deposit, residency and property plans — not with a generic bank pitch.

    Residents, non-residents, employed, self-employed and mixed-income buyers.
    Lender comparison

    Lender comparison

    Different banks apply different criteria. We help you understand which routes may be realistic for your case.

    More clarity before you reserve a property or pay a deposit.
    Better preparation

    Better preparation

    We help organise your documentation and expectations before the application moves forward.

    A cleaner, more bank-ready file from the start.

    Personal guidance

    One contact point to guide you from first review, to valuation, to completion.

    Clear updates and support through the full process.
    A REAL PERSON BEHIND YOUR MORTGAGE

    Meet your mortgage advisor.

    I'm Marco Antonio Serrano Viriot. I help international buyers understand the Spanish mortgage market and prepare applications according to their individual financial profiles.

    Whether you're employed abroad, self-employed, retired or earning different types of income, the first step is understanding which lenders may consider your case.

    Marco Antonio Serrano Viriot
    Marco Antonio Serrano ViriotMortgage Intermediary · Bank of Spain Nº E551
    Book a free introductory call

    What happens after your first enquiry?

    • We discuss your situation and property plans.
    • We identify the documents needed for an initial review.
    • We consider appropriate lenders and conditions.
    • We explain the next steps, costs and our fees.

    Registration with the Banco de España does not imply endorsement by the authority. Mortgage approval depends on lender assessment.

    LENDER ACCESS

    A wider choice of Spanish mortgage lenders.

    We compare suitable lenders and mortgage conditions according to your financial profile, property and plans in Spain.

    Lender availability and mortgage approval depend on your individual circumstances and the property.

    Explore mortgage pre-assessment →
    THE PROCESS

    From first conversation to notary.

    A clear five-step approach keeps you informed of what's needed and what comes next.

    Step 1

    Initial review

    Discuss your borrowing requirements and financial profile.

    Step 2

    Bank options

    Consider suitable lenders and application requirements.

    Step 3

    Documentation

    Prepare the financial file and coordinate key information.

    Step 4

    Valuation & approval

    Coordinate valuation and follow lender assessment.

    Step 5

    Signing

    Assist with the FEIN and mortgage completion process.

    See how Viva Finance supports your purchase

    A brief introduction to how we help you prepare, compare and navigate the mortgage process.

    Discuss your situation
    HELPFUL RESOURCES

    Plan your purchase with more confidence.

    Practical tools and guides for buyers who want to understand the numbers before taking the next step.

    Mortgage pre-assessment
    Mortgage pre-assessment ↗Explore affordability and your borrowing profile.
    Mortgage calculator
    Mortgage calculator ↗Estimate monthly payments.
    Documents checklist
    Documents checklist ↗Know which documents banks tend to request.
    Buying guide
    Buying guide ↗Understand the property purchase steps.
    READY TO EXPLORE YOUR OPTIONS?

    Your Spanish mortgage starts with a conversation.

    Tell us about your plans. We'll explain what information we need to assess your options.

    Book your free initial review ↗