SPANISH MORTGAGES MADE EASY
Tailored advice, better mortgage deals, and expert guidance, whether you’re buying your dream home or investing in Spain.
Get your Spanish mortgage with independent brokers. Viva Finance helps international buyers secure the best mortgage in Spain fast, transparent, and fully guided from start to finish.
Your Spanish mortgage plan
Estimate your mortgage, deposit, buying costs and typical bank documentation in less than one minute.
Your mortgage snapshot
—
Mortgage expectations
—
Your document plan
Regional buying costs
—
How Viva Finance helps
—
Get a free mortgage reviewSupport from Start to Finish
Trusted support from start to finish
Regulated mortgage guidance, clear communication and practical support when buying property in Spain.
Licensed & Regulated
Viva Finance is registered with the Bank of Spain, giving clients regulated mortgage brokerage support in Spain.
Legal Peace of Mind
We can connect you with trusted independent legal professionals for extra clarity during the purchase.
Independent & Well-Connected
We work with Spanish banks to help identify suitable mortgage options for your profile.
Free Initial Review
Understand your borrowing capacity before reserving a property or paying a deposit.
Clear & Efficient
Clear updates and organised documentation help keep the mortgage process moving.
End-to-End Guidance
From documents and bank negotiation to completion, we guide you through each step.
We compare lenders, criteria and mortgage conditions for your profile
Spanish banks do not all assess buyers in the same way. We help you understand which options may be realistic before you commit to a property.
Profile-based comparison We review your residency, income, age, deposit and property plans.
Resident & non-resident buyers Guidance for international buyers, foreign income and Spanish residents.
Clear next step Know what to prepare before speaking with banks or signing a reservation.
Logos shown are examples of recognised Spanish, international and specialist lenders. Final availability depends on lender criteria and your individual case.
Five Easy Steps to Buying Your Home
A clear, guided journey — from first call to notary day.
Initial Consultation
We start with a personal conversation to understand your goals and financial situation.
Mortgage Offers
We independently compare a wide range of Spanish banks to secure the best options for you.
Legal Coordination
We work closely with your lawyer to ensure all documentation is complete and correct.
Property Valuation
We arrange and manage the official property valuation on your behalf.
Sign & Celebrate
We coordinate everything for a smooth notary day — so you can enjoy the moment.
Your Mortgage Partner in Spain
Watch this short video to see how Viva Finance helps international buyers understand their mortgage options, prepare correctly and move forward with confidence.
Helpful tools for buying in Spain
Check your mortgage feasibility, understand the buying process, prepare your documents or speak with us before making a commitment.
Mortgage Pre-Assessment
Check your mortgage feasibility, estimated borrowing capacity, required savings and key documents before making an offer in Spain.
Buying Guide
Understand the safest next step before reserving a property.
Start guide →
Mortgage Calculator
Estimate monthly payments and basic mortgage costs.
Calculate →
Documents Checklist
See what Spanish lenders usually request from buyers.
View checklist →
Free Consultation
Speak with Viva Finance before approaching banks.
Book call →Feeling overwhelmed by the idea of buying property in Spain?
Let Viva Finance simplify the process.