IMS Profile – Specialists for mortgages in Spain

IMS’s founder drew on her experience at executive level in the UK financial services sector to set up and deliver client-focused services for borrowing in Spain. Operating since 2002, our team provides professional, knowledgeable mortgage advice and guides you through the finance and buying process from start to finish.

Contact us today for independent, professional advice.

IMS offices for arranging a mortgage in Spain

Background of IMS and services offered for Mortgages in Spain

IMS has operated in Spain for many years, offering quality advice and guidance to non-resident borrowers. Even before regulation was introduced here, we worked in line with accepted UK regulatory standards — providing detailed written information, risk warnings, and access to a range of lenders.

Heather Chambers set up and continues to work within the IMS brand. Before moving to Spain, she was Regional Manager for the South East at both National & Provincial and Bradford & Bingley.

  • IMS has operated in Spain since April 2002
  • We focus on experienced, quality advice from initial assessment through to completion of your Spanish mortgage
  • We ensure borrowers have access to a wide range of lenders for a mortgage in Spain
  • There’s no cost or obligation for a financial approval

Heather has years of experience at executive level in the financial services industry, and since 2002 has provided high-quality advice for the non-resident Spanish mortgage market.

For more information on how we can help, email info@imsmortgages.com

What service does IMS offer

We offer a wide range of services, and we don’t believe our role starts and ends with securing the loan. At IMS, we support our clients through the entire buying process, with their financial wellbeing at the centre of everything we do.

  • As an independent broker, we help clients find the most suitable lender when raising finance in Spain
  • All application services adhere to current regulations, so clients are protected at every stage
  • We offer a wide range of lending solutions
  • Underwritten financial approvals are obtained free of charge and without obligation
  • Clients can make informed decisions before appointing us
  • We bring years of experience and a deep understanding of the Spanish property market
  • We’re happy to help with questions beyond financing too

Applying for a mortgage in Spain can be fraught with difficulties. Banks will only advise on their own products, and language or communication issues aren’t uncommon. We aim to remove these frustrations — first by keeping communication clear and detailed, and second by giving you access to the widest possible range of lenders.

We listen to make sure we understand your objectives, then package your application professionally, giving it the best possible chance of success in the shortest time frame.

Making an application

We appreciate that organising finance is stressful, particularly for a purchase in a country you’re not resident in. Our goal is to ensure every client can make informed decisions — with years of experience, we can advise across all aspects of the process, helping you purchase in Spain safely and securely.

  • Applications are managed by Ravena Rhys Jones under Bank of Spain registration D134
  • Ravena liaises with all relevant parties in the buying transaction
  • Her knowledge and bank relationships have been built over 20 years
  • Protection of your deposit funds is considered at every stage
  • Updates on progress are provided throughout, so clients are never left feeling vulnerable due to lack of information

Born in the UK, Ravena has lived in Spain since the age of five. After leaving university, she joined Halifax Spain, where she spent her early years as a mortgage adviser in charge of non-resident applications. In 2004, she joined IMS to head up the growing mortgage processing team.

As a key member of the team, Ravena has been instrumental in helping IMS improve the services delivered by Spanish banks, as well as setting up internal systems and processes to improve efficiency.

With years of experience across a wide range of applications, she has extensive knowledge of the documents banks require from clients in different countries — ensuring applications can be underwritten quickly and effectively.

Providing access to Spanish Mortgages since 2002

Applications are handled on a fully independent basis. Ravena is authorised to apply to a wide range of lenders, and to manage and negotiate with them on your behalf — from the professional presentation of the application through to the day of completion.

  • IMS has access to the widest range of mortgage lenders
  • We have years of experience dealing with all banks in Spain
  • We have a solid track record of successful placements and strong bank relationships
  • Where needed, we can direct you to other support services

Within their guidelines, lenders in Spain can and do adapt their offering to each individual client — so a carefully, professionally presented application can help improve the terms you’re offered.

We specialise in financially complex cases and high-value mortgages, and have completed loans from €40k to €8 million.

We regularly arrange mortgages for financially complex individuals and high-value loans in excess of €500k, as well as for self-employed individuals who don’t take a set salary every month.

IMS has developed close working relationships with other professional advisers, including lawyers and currency providers. If you need help sourcing other professional advisers, we’re happy to assist — we only recommend companies we have first-hand experience of, and confidence in the quality of their service.