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

Winners of Acquisition International worldwide finance awards 2021

  • Spanish Mortgage Experts of the year 2021

Winners of the Real Estate & Property Awards 2015

  • Best mortgages in Spain
  • Recognized leader in Customer Service – Spain

Read what our clients say about us

Latest News for Mortgages in Spain:-

Spanish lender re-instates 70% loan to value for UK applicants after reducing them last year over Brexit fears, and increases affordability ratios. Contact us today. 

Andalucia drops purchase tax to a flat 7% for the rest of 2021.

 12 month Euribor falls by a very small margin in December 2021 over November 2021. Current 12 month Euribor is minus 0.487%, in December. This is the level that will be used for annual reviews and completions within the month.

 New regulation being implemented June 16th 2019 in Spain. Read about the key changes.

No cost or obligation Spanish Mortgage information and approvals in principle

Spanish Banks lower general rates  best buy  variable rates from 1.5%. above Euribor. Fixed rate availability for full term continues to grow.

12 month Euribor rate for revisions of Spanish mortgages in December 2021 is -0.487%.

Keep updated on the latest mortgage news from Spain.

Unsure of what you could borrow in Spain?

  • Want to have your finances sorted before committing to visiting Spain?
  • Want to know what interest rates and costs to expect for a Mortgage in Spain

FOR A NO COST AND NO OBLIGATION full Mortgage in Spain budget assessment and information 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 placed over half a billion Euros in lending of mortgages in Spain making us one of the most experienced and specialised Spanish mortgage information sites. Special terms for certain clients will not be available if you apply direct to the Banks.

Spanish mortgage information centre our 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 – We will ensure you have access to services where your application is professionally packaged within all regulatory guidelines. That your Mortgage in Spain application is given the best possible chance of being approved. Ensure you obtain the best possible terms and conditions and highest loan to values.

Resolution of previously rejected applications – If you have been rejected for a mortgage in Spain. Have been waiting forever for an answer from the Bank. The direct application you have made has not reflected the initial terms you had outlined. Then, let us help you gain a successful outcome with another lender in the quickest possible time.

Understanding your Mortgage in Spain and the link to the purchase process

With many years of experience in the loan and purchase market we can inform and guide you on the mortgage process.- Our key aim is to help you find the best buys and most suitable loan in Spain that is possible in your circumstance. We will ensure you and your personal monies are protected throughout the application process by providing access to regulated services and making sure you work with providers who look after your interests through to completion.

You can be sure your service provider will keep you informed as to when it is safe to pass over deposit monies and will work efficiently and effectively with all linked parties to ensure the house of your dreams is secured, in a safe manner with minimum risk. You will be alerted to any possible infractions relating to the property highlighted by the required Spanish Banks valuation report , even if those infractions are small by nature and of little consequence.  Everything both verbally and in writing will be in clear and concise English.


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 »