“At IMS we know how important getting factual honest and reliable information is when considering a mortgage in Spain.”

Free Spanish Mortgage Quotes and Free mortgage approvals in principle

Spanish Banks drop margins to increase completions best buy rates from 2.5%

12 month Euribor rate for revisions and completions in August is 0.167% up by 0.004% from July. Whilst the change is negligible it does indicate that July reached the bottom of the Euribor rate decreases.

Unsure of what you could borrow in Spain?

  • Concerned about Spanish mortgage funding possibilities in current environment?
  • Want to have your finances sorted before committing to visiting Spain?
  • Want to know what interest rates to expect in Spain

FOR A NO COST AND NO OBLIGATION full budget assessment and quote Contact us today. Check our non resident best buy tables »

Why choose IMS for a mortgage in Spain?

IMS has operated in Spain since 2002 and has successfully completed on over half a billion Euros in lending on mortgages in Spain making us one of the most experienced and specialised mortgage advice companies in Spain. We can negotiate special terms for certain clients not available direct from the Banks.

Spanish mortgage advice centre services

Budget analysis and Bank recommendation – We will help you understand what you can borrow from a Spanish Bank and what impact this has on the purchase price you can pay. Submission and management of Spanish Mortgage applications for independent purchases and Bank repossessions – We will professionally package your application to give it the best possible chance of being approved for the best possible terms and conditions and highest loan to values. Resolution of previously rejected applications – If you have been rejected for a mortgage or have been waiting forever for an answer from the Bank or the direct application you have made has not reflected the initial terms you had outlined, let us help gain a successful outcome with another lender in the quickest possible time.

Dispute resolutions and negotiations

Negotiation to remove Floor Rates and save money on interest payments – If you have a floor rate or minimum rate you were unaware of at completion let us advise on how negotiate with the Bank to get this clause removed. Arrears and defaults – Are you in arrears, have temporary issues and need help to resolve the problem we can help you understand the potential short, medium and long term solutions.


Spanish mortgages

How do Spanish mortgages work, what is required and what do you need to consider when applying for a loan.

Property mortgages in Spain »


About us

Who is IMS, how long have we been operating in Spain and who are the key personnel and what is their background.

IMS Profile »


Spanish Mortgage Calculator

Use our calculator to assess what your monthly mortgage payments could be.

Mortgage Calculator »