IMS Spanish MortgageTestimonials what clients say about the service they received

Getting the keys

Please contact our new client

I would also like to pass on the wonderful comments we received from Philip and Debbie Robinson

what fantastic service they have had from you all in organising their mortgage and keeping in touch.

They are extremely grateful and sang your praises from the rafters.

Many thanks ladies for always giving some incredible service,

Hi Ravena mortgage in Spain completed

Just completed! I want to thank you for all your assistance with my mortgage in Spain and making it possible, the original Intention of purchasing the villa for my mother and father to use particularly the gardens.

Sadly my father past away on the 10th of March from a short battle with leukemia,  his last wishes was to make sure I get the property and take my mother there in the winter.  So again thank you from the bottom of my heart.

Take care. Alan

Spanish Mortgage Hello Ravena

It has been an unusually long journey but yes, it is concluded finally :)

Thank you very much for all the help. It has been a pleasure to work with you.

Please send warm regards to Heather.



Thanks Heather

Thanks a lot for your very good service for mortgages in Spain.

Kind regards


Information on Spanish mortgages Dear Heather

Thank you so much for the comprehensive insight and information on mortgages in Spain , this is awesome information.

Your help is invaluable and appreciated, I have spoken to many other supposedly professional people ref the same, you are the only one that has genuinely assisted, and more to the point who I feel comfortable dealing with.


Mortgage in Spain completes even during difficult times

I was fortunate to work with IMS for my recent purchase near Valencia, and I’m extremely happy with their service. I first contacted Ravena on 29 April 2020, in the middle of the covid-19 crisis, and I had my mortgage approved with a firm offer – and an excellent loan-to-value ratio – on 11 May, in other words, less than 2 weeks later! Ravena and her partners have all been friendly and efficient to work with, ready to answer my questions quickly and clearly. I wholeheartedly recommend Ravena and IMS to anyone wanting to buy a home in Spain.”  – Stephen, Lyon, France, July 2020

“J’ai eu la grande chance de travailler avec IMS pour mon achat récemment finalisé dans les environs de Valencia, et je suis ravi des services rendus. J’ai pris contact avec Ravena pour la première fois le 29 avril 2020, en plein période de confinement en raison du covid-19. A ma plus grande surprise (très agréable !), mon crédit a été approuvé par la banque partenaire – avec un excellent ratio prêt/valeur – le 11 mai, autrement dit en moins de 2 semaines ! Ravena et tous ses partenaires sont agréables et efficaces, prêtes à répondre aux questions de manière rapide et claire. Je recommande vivement Ravena et IMS à tous qui souhaitent acheter un bien immobilier en Espagne.”  – Stephen, Lyon, France, juillet 2020

Thank you for my Spanish mortgage

Hi Ravena,

Just wanted to say thank you so much for all your help over the past weeks and securing a mortgage for us. We are all moved in now and so happy!

I had not planned on using a broker as I was sure I could secure a mortgage myself being resident here.  But that proved more difficult than I thought. So glad I discovered IMS as you secured a good deal and answered all my questions quickly and clearly.  Closing during lockdown created some extra hurdles but you helped me through that.

The whole process  was quick and straightforward and I couldn’t have done it without you.

Thank you again,


Wish I had used IMS from start for mortgages in Spain

When i found IMS i had been having nightmares trying to arrange a mortgage and had already been turned down several times, despite earning a good income as a self employed trader it was proving extremely difficult.

IMS where hugely helpful in advising on options to make this a possibility, and as the country i was buying in was unknown to me, the help in translating and communicating with relevant parties would have been near impossible without this assistance.

Working With Ravena who was hugely helpful in accommodating my extremely limited knowledge of acquiring a mortgage in spain, i was taken through the whole process, without ever feeling like i was imposing despite dozens of back and forth communications.

Finally the property was completed and Ravena made sure that, i was taken care of until the keys where in my hands.

Would highly recommend, and wish id started the whole process with IMS.

Stephen Walker

Personal Trainer and speaker

Efficient services for mortgages in Spain Dear Sandy

It’s been an absolute pleasure dealing with you and Ravena. Super efficient and responsive and I couldn’t be happier with how everything has gone till now.

Kind regards,


Afternoon Sandy 

I will sort out transfer later today, using our Sabadell account.

We were absolutely happy with everything that yourself and Ravena arranged for us, made the whole process easy and painless.

Regards – Ildiko

 Spanish mortgage services

Hi Sandy,

Again thanks for the useful information and I can see how you earn your deserved broker fee, you know a lot more than a lot of the other agents I’ve spoken to which puts me at ease.

It seems like the fixed rate product is the obvious choice.

I do have a repayment vehicle I can use if I ever need to pay off the mortgage completely so I am looking to keep monthly payments to a minimum so if there anyway we could look to extend the mortgage term to 25 or 30 years considering I am able to repay when ever required through selling some UK assets?


Commendation mortgage in Spain application

I had been looking for a holiday home in Spain and found my ideal property. The price I had agreed with the seller was subject to an early completion so I was under a moral obligation to proceed quickly. The broker I had been referred to  said that he had got me a good deal with a bank [and recommended that I go with that.

When I looked at the small print, I noticed that there was an additional amount of about 20% added to the loan. When this was queried, I was told that it related to life assurance and was non-negotiable. I became suspicious and found Ravena’s details on the internet.  The word superb does not adequately described the service I have received from her; a very quick new mortgage offer with no life assurance requirement. Her fees were also about half of the previous broker.



Thank you

Hi Ravena / Heather,

First of all I would like to thank you both for your help and support with the purchase of our house in Alcaucin. You were both very professional and helped us through every step of the way. It is not an easy process sorting out a Mortgage here in Spain and you made the process easier for us.

Many thanks


Please feel free to use the following statement


Sharon and I really appreciated your and Heathers support throughout our mortgage process.  Your help and guidance made the purchase run smoothly and we felt the whole mortgage acquisition was managed very professionally from start to finish by you and IMS.  Thanks for your help.  Best Wishes Mark & Sharon.

Here you go

Ravena couldn’t have been more helpful in helping us to secure our mortgage abroad. Though our finances were tight and options extremely limited she found us an excellent product (which could not be beaten) and steered us through the whole process with faultless efficiency. She has a calm, methodical approach which puts you at ease and, most importantly, delivered exactly what we needed within a tight time scale. I can’t recommend her highly enough.

Have a great weekend,


Hi Ravena

We have now moved in and delighted in the knowledge that we have made the right decision. Thank you for all your help and I know that our agent with certainly be recommending IMS after our feedback and shee too was very impressed with the service and communication you provided.

You certainly helped take the pain and complication out of what can be a daunting task!

Thanks again.


Thank you so much, Ravena

You have been the best part of this whole process



Hi Ravena

I am delighted to hear from you, Andrew  and Alberto that the purchase has completed. Just wanted to let you know that you did a really great job for us. Thank you for getting everything done so smoothly and efficiently and for organising the mortgage without the certificate of First occupation

I will definitely recommend you to anyone else looking for help with a mortgage.  Great job – well done bs thank you 😊👍🏽😊



😎🍷💃Hello Ravena🎉🍾

Yay !!! Thank you for everything you have done. You really have been fabulous I don’t know what I would have done without you!!!!

Hi Ravena

Thank you!  We’re so excited.  Thank you for all your help…if you have a facebook page or anywhere you’d like me to leave a review, let me know – we have been so happy and impressed with your service – thank you so much for helping us.

Hasta luego!



Thank you Sandy,

We have appreciated IMS, specifically Ravena’s services. I have made the payment and attached the receipt. Since this is my first wire transfer, can you respond with confirmation when you receive it

Kelsey and Jose

Thank you

Thanks you to Ravena and earlier Heather for your fantastic service. You will be well recommended for family and friends.

On Thu, Feb 1, 2018 at 4:36 PM


Good afternoon Sandy

Thank you for the details for the transfer. Will organise this payment of this.

Ravena has been very supportive in the whole process and helpful.

Really appreciated her knowledge and patience.

Would have absolutely no hesitation in recommending you, Ravena and your company to others.

Best regards,



Thanks both for all you help

From Mortgage in Spain Sourcing and Selection right through to Purchase, IMS’s team gave prompt and invaluable information throughout. Highly recommended

Thanks again

Best Regards,

Claudio Vidini

Thanks Sandy

In terms of feedback, I have to say the support we have had so far has been truly excellent – we’re really grateful for all the service and explanation!


Karen Blal

I was extremely fortunate to choose IMS to assist me with buying a house in Spain.  Fortunate, because they (Sandy and Ravena) have been honest, open. helpful and super responsive from my initial contact with them.  Living in Singapore potentially posed some problems but IMS took all of those problems away.  I must admit that I had approached another broker before IMS but I was put off by the hard sell – emails, phone calls at inappropriate times, questions as to why I had not responded immediately.  If you are looking for a broker that works at your pace and thinks of you as a customer rather than a number, then choose IMS.  I was not asked to write this review, I chose to do so because their service has been excellent.

Sanjay Verma

Buying a house in spain , while living in the US sounds like a daunting process , but not once I employed the help of IMS mortgages . They walked me through the process very clearly , lining up multiple lenders , streamlining the paperwork and dealing with all the particulars of Spanish regulation .

I would highly recommend anyone about to go through this process use the professionals at IMS and set your mind at ease !!!

Dear team

Re: IMS Mortgages- Ravena
Dear Ravena and IMS Mortgages team,
I would like to thank you for the hard work and time spent on securing a mortgage for
Parati LTD.

We know it was a very complicated application, taking into consideration the
short time for completion, nature of the property and hurdles appeared throughout the
process. We are happy you were not deterred from the challenge, and kept pushing until all terms were achieved.

Your in depth knowledge of the Spanish mortgage industry, high dedication and motivation
gave us the confident we are in good hands; and we were not wrong! You have managed to get us the right mortgage in a time frame not many thought it possible.
We are grateful for your help, and will definitely come back on our next project.

Tzachi (Zack) Rat
Parati LTD
London, UK

Hi Sandy

We would like to take the opportunity to thank you & Ravena for your continuing work on our mortgage. We have found IMS thoroughly professional and would not hesitate to recommend you (as we have already done to a couple of other people living locally here in Ibiza).

Best regards,

James & Richard

Dear Sandy

Thank you for the confirmation.

I’d like to thank you and Heather very much indeed for taking us through the re-mortgaging. We started off with little hope of being able to pull this off and have ended up with a very successful and satisfying result. These things are always complicated, but throughout this process you have been professional, knowledgeable, efficient, clear and helpful. It has given great reassurance to us and it has genuinely been a great pleasure to work with you.

with best wishes Ross


Thank you Ravena

for all your help. You and your team have been simply amazing. It has been a long road and I want to thank you for being so patient and understanding . I would be more than happy to give you a great recommendation to any potential clients you have. And will refer any potential ones too. Keep well .

Sent from my iPhone

Dear Heather and Ravena

Me and Tom would like to express our appreciation to your professional information to make this purchase a successful one.  Heather you responded within 5 minutes when I sent you the questions through IMS website, it’s astonishing to us of your efficiency.  Heather you have assigned Ravena to help us and she is the best person I have ever met who is hard working and she provides excellent service with timely or daily update of progress.

We shared our experience with our agent Belen who has been very helpful as well.   We would like to introduce your company to Belen who works for Engel & Volkers and hope you both can make more businesses in future.

Best regards Hailo

That’s Great

You did a wonderful job Ravena, I would definitely recommend you. Wish you wonderful happy 2015 Sirar


Dear Heather and Ravena,

IMS Mortgage offers an excellent service and I would highly recommend IMS to anyone looking to buy and finance a property in Spain. As an American living in NY with very limited knowledge of the Spanish property and mortgage market, you offered spot on information and helped me easily through the whole process .In addition your service integration with the bank and with the excellent law firm of AGÜERA & ARREBOLA made, what I am sure can be a very challenging conveyance procedure, very painless.

Thank you !

Rick Bennett  CPA , CA



USA, Canada ,United Kingdom and Hong Kong


Dear Ravena, We would like to place firmly on record our deep appreciation of the truly outstanding service you provided to us during the purchase of our house in Spain.

You provided us with an outstanding service at every stage of a difficult purchase and you found a mortgage product for us despite the significant challenges posed by our vendor’s position and the nature of the property. You could not have been more helpful or provided us with a better outcome and it is literally true to say we would not have been able to get our beautiful home without your help.

On the basis of our experience, we cannot recommend IMS and your service too highly. Thank you and best wishes for the business.

J & N

Dear Ravena

I think finally we have arrived to the point after which we are not going to exchange emails several times a week, so I would like to take the opportunity to say thank you for your help.

I have been truly impressed by the professional execution of my case from the initial contact to completion.I am 100% sure that I couldn’t have received better treatment from any other company, even if I looked for months.

You have been very punctual, very prompt, and your assistance has saved me so much time and frustration that I cannot even tell.

I always felt that I am in professional hands which gave me the peace of mind, and saved me at least a couple of nervous breakdowns for sure.

So, thank you very much, it has been a pleasure doing business with you, and I will spread the word of your exceptional services whenever opportunity arises.

Keep up the good work, and I wish you the best.

Sincerely Attila

A big thank you

We would like to say a big thank you to Ravena and Heather at IMS

We bought our Spanish holiday home in Northern Costa Blanca.  The support and guidance provided, was very much appreciated.  All emails and phone calls were acted upon promptly.  We highly recommend the service.  We had an email congratulating us upon completion,this was a nice touch.  Even after we completed and we had a small issue, Ravena helped sort out the problem. In our opinion, do not hesitate to use IMS.  Excellent service!

Andy and Tracy Derbyshire

Offer of lending secured

Hi Ravena,
This is great news and thank you and your team ever so very much for sorting this out for me.
Again, a massive thank you for organising everything so very quickly. IMS and all the staff put many other companies and banks that have let me down within the last year to absolute shame…..!

Take care and all the best, regards, Rich.

Thank you for your help

May I add at this point that we have been absolutely delighted with the service of IMS and particularly of Ravena who has had the patience of a saint with us (3 purchases falling through) and made sense of our complicated circumstances and problems with banks always with good grace and efficiency. We will thoroughly recommend you to everyone that needs help in obtaining a mortgage and indeed may well be using you ourselves again in the future.

very best regards Sue

Thank you Ravena

Thank you so much! You have been fantastic!! I would definitely recommend your service and you in particular have been a star!!! Thanks again


Many thanks for taking

Hello Heather

Many thanks for taking the time to respond and also for your honest information when integrity is such a rare commodity these days.

Many thanks once again.
Best regards,

For the best work ever

Hi Sandy

Thank you so very much for the best work ever in achieving my dreams. Your team are just perfection, I will always recommend you to everyone I can.

Again A BIG BIG thank you
George Buhagiar

A constant source of information

To Ravena

Ravena who I have spoken to and eMailed with many times has been a constant source of information and confirmation. Financial intermediaries have a mixed reputation but IMS in general and this lady in particular have been the epitomie of professionalism.

You made this purchase possible

Hi Ravena

We completed today. Many thanks for all your help.You made this purchase possible.

Kindest regards,
Paul & Beth.

I can’t thank you enough


I can’t thank you enough for your ideal support during this tough process :)

Thank you so much for everything. if you are based in Marbella/malaga area would love to shake your hand one of these days!!!


… your total professionalism

Thank you Heather

You are more on the ball than our solicitor, rather worrying!

Really appreciate your total professionalism, its rare these days but you certainly have it.

All the best,

I do appreciate the professionalism


Many thanks for the time and trouble you have gone to here. A complex matter has been easily explained and I feel I now understand the pros and cons.

Since we spoke, I have discussed my situation properly with CAM bank and they are going to come back to me by Monday with some options. You were right – it is unlikely to be an interest only mortgage.

I do appreciate the professionalism you have shown here and at the very least, if I decide that sticking with CAM is a more cost effective route right now, I would have no hesitation in recommending your services to other people I know who have property in Spain and may well need your services in the future.

Kindest regards,

Your support and information was invaluable

Dear Ravena

We would like to say that it is such a difficult time purchasing a property, let alone purchasing a property in Spain but your support and information was invaluable. Even a straightforward property purchase in Spain can be stressful let alone all the complications we had but you stayed with us and worked so hard to obtain our mortgage for us – thank you.

Anybody who has a dream of owning a house in Spain would benefit from your services. At times it might seem easier to give up but if you really want it – keep on striving and take a leaf out of the Spanish way of doing things and let it happen in its own time.

Once again, many thanks and we wish you every success for the future.

Kind Regards,
Mark & Michelle

I am very grateful

Dear Ravena

Both Heather and yourself worked wonders, and went the extra mile in securing this, for which I am very grateful. You opened doors when I was finding them being shut in my face as a result of the economic climate.

And my experience of Deutsche Bank and its team thus far has been very positive.

Richard C

WOW!! That’s what I call service

Dear Heather

WOW!! That’s what I call service, efficient and professional and all in under an hour from the time I gave you the lead. No wonder why you have out lasted all your competitors in your game.

Well done. I can mention a few of them but I will not. Thank you very much for the feedback and the client qualification, just the feedback I wanted so I know what direction to go in.

Thanks again,

Your presentation was by far the best


Naturally I had spoken to several mortgage consultants and had I liked the property I would have chosen you as consultant, your presentation and phone manner was by far the best.

I am sure that if I do pursue a mortgage it will be through your company.

Many thanks,
Mal Jimenez

Thank you for all your help


We would both like to thank you for all your help, its nice to find someone who is on the ball.

Many Thanks, Melody & Robert

How incredibly impressed

Hello Heather

Its months since we were in touch, indeed before Christmas!

I would just like to say how incredibly impressed Yvonne ( my partner ) and myself have been with IMS and specifically Ravena, she has been truly wonderful.

Where can I begin to start? Resolute in pursuit of a good deal for us, a consolation when things didn’t go well, a wise head in times of turmoil, keeping her head whilst I was probably loosing mine! Her contact with us has been first class as has her replying to mails and calls even if it was me flapping ). She has pushed the bank when needed, coordinated details with all the parties and always been a pleasure to speak to on the phone. At the darkest moment she provided wise counsel and when things did go through congratulations. A source of detailed knowledge on products and what course of action to take. Our only regret is we eventually bought in Valencia not Andalucia so cant buy her a celebration lunch.

We are both deeply impressed and have no doubts whatsoever in recommending her / IMS to anyone .

Thank you for all your help.

Iain Henderson and Yvonne Thompson

I will be in touch


Thank you very much for your prompt and thorough response which I find impressive.

I will be in touch when I am in ready to buy and apply for a mortgage.

Best wishes,
Lino Posadas

Many thanks for…


Many thanks for your document. Thus far no one has explained the intricacies of remortgaging in Spain so well as you have done.


It has been great working with you

Dear Sandy

Thank you very much for your help and support.

It has been great working with you. I am really happy that everything is sorted and I hope to spend some time in Menorca soon.

Thanks again to all the team for helping me with the purchase.

Best regards,

All went well

Dear Ravena

All went well, we also went into the branch in Granada to progress accessing our new account.

Many thanks for all your help and please pass this on to Heather also – you have really earned your fee on this one and we are happy to recommend you to others (in fact we already have!)

Best wishes,

Thank you all for your support

Dear Heather, Ravena and Cecilia

Thank you all for your support with finding a mortgage for us in this difficult climate. You succeeded where others failed us.

It took six months or more but you never gave up and kept in contact with us reassuring us with your confidence and honesty. After all those months of hard work you managed to get completion for us a couple of weeks ago. We were thrilled. And still the broker fee for you was no different to when we started with you all those months ago.

Money very well spent and I would recommend your services to anyone. Well done IMS and the Times where we found your advert.

Best wishes and kind regards to all,
Bob and Annie

Completion was achieved


I got home late last night Ravena and have just received confirmation from the lawyer that completion was achieved yesterday. I would like to thank you for all your efforts.

In this presently difficult financial climate it has been invaluable having someone work on my behalf. As you can appreciate, it is not easy conducting business in a foreign country and having a friend only an e-mail or phone call away has been excellent.

Again many thanks. I wish you all the best and will certainly recommend you to anyone contemplating property purchase in Spain.

Kindest regards,

Helpful and efficient information

Dear Heather

For now we have decided not to make any changes to our mortgage, but having spoken to you and having received your more than helpful and efficient information, should i need to consider this option again, I would hope to possibly work with you and your company.

Yours sincerely, Miss S Monk

Please say a huge thankyou

Hi Ravena

Please say a huge thankyou to everyone. We are thrilled here. Can you let me know your office address so that we can send a card.

Kindest Regards,

Thank you so much for your help and care

Dear Heather

Thank you so much for your help and care. If we will need any further assistance we will contact you and I will recommend you to our friends who will need help with their mortgage.


First of all


First of all, thank you very much for your prompt and informative responses. I would also like to sincerly thank you for continuing to help me by answering my questions even when it seems obvious that I will not be able to take a mortgage through you. I will be keeping you email address and the next time I make a property purchase I shall ask you first if you can help me.


We have good news


You asked us to keep you informed of progress re our house.

We have good news, Ramon has negotiated with Cajamar head office and they will grant us a mortgage. We have not signed anything yet, on the information of Ramon, he is very thorough.

Thank you so much for introducing him to us, wish we had known about both you and him four years ago, would have saved us a lot of stress, hassle and money!!


Thank you for all your help in arranging

Dear Heather and Ravena

I just wanted to thank you for all your help in arranging my mortgage.

I didn’t have any great expectations when I set out to try to get a mortgage a few months ago, and was very wary after some of the horror storied I’d read about the intermediaries in this market.

Of the 6 companies I approached after a web search most made promises, one asked me for a forged P60, and one sent me on a costly goose chase. You were the only ones who were honest from the start about the difficulty of my situation in the present market, and the only ones who came through with a reasonable offer. I was impressed throughout by the professionalism and constant attention.


By far the most helpful

To all,

I just want to thank you for all the help and info you have given us, you have been by far the most helpful, informative and honest company I have spoken to about mortgage matters.


Thank you for your kind


Thank you for your kind attention in dealing with the mortgage enquiry and answering all my questions. I find your honesty and transparency quite refreshing. You have made the process to date quite painless, lets hope it carries on this easily to final completion.


Express my thanks to you personally


We have completed on the property.

I would like to take this opportunity to express my thanks to you personally for all your time and effort in bringing together our mortgage and seeing it through to completion.

I know that this was an especially difficult case. But you came through for us, in what has been very worrying times for us all with the recent credit crunch.

You should have a medal for your patience I know at times I have been very trying to say the least ( you don’t need to agree ) but another thank you for not giving up on us, your patience has been very much appreciated. I am sure others would have given up but not you.

Keep up the good work I am sure there are many other people out there who will benefit from your help and I would not hesitate to recommend you and your company.

Finally I would like to wish you and your staff the very best for the future and for a job well done.

Thank you,

You have handled everything well


No matter what the outcome is (and I hope it is successful) I must say you have handled everything well and professionally and always kept me up to date with the progress.


Fantastic, finally its all paid off

Hi Debbie

Fantastic, finally its all paid off. Many thanks for all your hard work and patience. We owe you a drink!! or two!!

Don’t hesitate to call if you would like to take a visit up in the mountains – if you need any lessons on snowboarding – don’t ask myself or the others!!

Many thanks again and maybe see you in the future,



Hi Debbie

I would just like to say a big THANK YOU for everything. You are an angel!

Talk to you soon,


Thanks loads for your patience


Thanks loads for your patience. From what I hear it really is getting hard to get mortgages organized, so you have done a sterling job.

Many thanks,