IMS Profile – Specialists for mortgages in Spain

IMS’s founder Heather Chambers 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 April 2002, our team provides professional, knowledgeable mortgage advice. We guide you through the finance and buying process from start to finish. Heather leads client relationships and initial guidance, while Ravena Rhys Jones places applications under Bank of Spain registration D134.

Contact us today for independent, professional advice.

IMS offices for arranging a mortgage in Spain

Background of International Mortgage Solutions (IMS)

IMS has operated in Spain since April 2002, offering quality advice and guidance to non-resident borrowers. Even before regulation was introduced, 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.

  • We focus on experienced, quality advice from initial assessment through to completion of your Spanish mortgage
  • Borrowers get access to a wide range of lenders for a mortgage in Spain
  • There’s no cost or obligation for a financial approval

Heather brings 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.

IMS has built long-standing relationships with lenders across the Spanish market over more than two decades, giving clients access to terms and flexibility that can be harder to secure applying directly. This experience means we can often anticipate the questions a bank will ask before they’re raised, keeping your application moving smoothly.

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

What Services Does IMS Offer?

We offer a wide range of services, and our role doesn’t start and end with securing the loan. We support 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
  • 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. Clear, detailed communication and access to a wide range of lenders help remove these frustrations. Understanding your objectives comes first — we then package your application professionally, giving it a strong chance of success in the shortest possible time frame.

We listen carefully to understand your objectives. We then package your application professionally, giving it a strong chance of success in the shortest possible time frame.

Whether you’re a first-time buyer in Spain or an experienced investor, we tailor our approach to your specific circumstances, rather than applying a one-size-fits-all process.

Making an application

Organising finance is stressful, particularly for a purchase in a country you’re not resident in. Our goal is to help every client make informed decisions. With 20 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
  • We consider protection of your deposit funds at every stage
  • Always provide updates throughout, so clients are never left feeling vulnerable due to a lack of information

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

Ravena has helped IMS improve the services delivered by Spanish banks, and has set up internal systems and processes to improve efficiency.

With extensive experience across a wide range of applications, she understands the documents banks require from clients in different countries — helping applications get underwritten quickly and effectively.

Ravena’s fluency in both English and Spanish means nothing gets lost in translation between you and the bank.

Providing Access to Spanish Mortgages Since 2002

We handle applications on a fully independent basis. Ravena holds authorisation to apply to a wide range of lenders. She manages and negotiates with them on your behalf, from the professional presentation of your application through to completion day.

  • IMS has access to a wide range of mortgage lenders
  • We have over 20 years of experience dealing with banks across Spain
  • A solid proven 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.

At IMS we specialise in financially complex cases and high-value mortgages. We’ve completed loans from €40k to €8 million and placed more than half a billion euros in Spanish mortgage lending since 2002. This includes many loans in excess of €500k and applications for self-employed individuals who don’t take a set monthly salary.

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 know first-hand and trust to deliver a quality service.