Full Market Coverage
CaixaBank, Sabadell, Santander, BBVA, Bankinter, UCI, EVO, and others. We find the best terms — not just any available offer.
Mortgage · Spain · Premium Service
Spanish Mortgages — Fully Managed
Premium support from GG Real Estate Barcelona — from strategic assessment to notary signing
All Major Spanish Banks
CaixaBank, Sabadell, Santander, BBVA, Bankinter, UCI, EVO, and more
Fully Remote
Electronic signatures, video conferences, legal review — no need to be in Spain
30+
years in the Spanish market
15
in-house lawyers
20+
client countries
Why getting a mortgage in Spain requires expert guidance
Spanish banks offer a wide range of mortgage products, but their borrower requirements are among the strictest in the EU.
Every document goes through multiple rounds of scrutiny. Banks require apostilles, sworn translations, precise wording, and proof of the source of funds.
Even a minor discrepancy can stall the process for months, change the loan terms, or result in a flat refusal.
We understand how banks make their decisions — and we speak their language.
Particularly critical for
Non-residents of Spain
Buyers without Spanish-sourced income
Applicants with no local credit history
Investors with internationally structured income
Why Work with GG Real Estate Barcelona
Tailored Strategy
We analyse your residency status, nationality, income structure, and objectives. Every application is treated as a bespoke project.
Strong Legal Department
We prepare, verify, and legalise documents, and manage all communication with banks and notaries.
In-House Mortgage Broker
Professional negotiations, optimal product selection, and improved terms on rate, term, and loan structure.
Fully Remote Service
Electronic signatures, video consultations, legal review — everything handled without you needing to travel to Spain.
End-to-End Coverage
We cover the full transaction: NIE, bank accounts, tax advice, and the purchase contract — all joined up.
How It Works
Strategic Consultation
We review your financial profile: income, assets, liabilities, nationality, and purchase goals. We then outline the preliminary loan parameters that are realistically achievable.
Application Dossier Preparation
We gather, translate, and apostille your documents — and verify them against each bank's specific requirements.
Bank Selection & Negotiation
We compare offers, submit to multiple lenders in parallel, and negotiate until we secure the best possible outcome.
Legal Review of the Approval
We review the loan conditions, address any issues in the wording, and finalise the contract terms on your behalf.
Notary Signing
We coordinate the transaction, oversee all payments, and manage title registration at the Property Registry.
After Completion
Insurance, payment setup, tax matters, and fund transfers — all taken care of.
Service Fees
Successful Approval
up to 1.5%
of the approved loan amount
- ▸ Full support from initial assessment to notary signing
- ▸ Selection and negotiation across all major banks
- ▸ Legal review of all documents and the loan contract
- ▸ Post-completion support
If the Application is Declined
€800
minimum fee
- ▸ Covers legal and brokerage analysis
- ▸ Bank engagement and submission work
No hidden charges. All terms are confirmed in the agreement before we begin.
Get a Personalised Consultation
We'll assess your profile, explain what banks actually require, and map out a realistic path to approval