Your Trusted Mortgage
Partner in Spain
With over 22 years of experience in the Spanish mortgage market, we connect you with the right bank and the best rate — saving you time, money, and stress.
Expert Mortgage Solutions
Tailored to Your Needs
Whether you're buying your dream property on the Costa del Sol or refinancing an existing mortgage, our team handles every step of the process.
Residential Mortgages
Fixed, variable, and mixed-rate mortgages for residential purchases. We negotiate on your behalf to secure the most favourable terms across our banking network.
Mortgage Switching
Already have a Spanish mortgage? We help you transfer it to a better lender — improving your interest rate, reducing your monthly payment, or changing your term.
Self-Build Mortgages
Finance for construction projects and land with progressive drawdown. We work with specialist lenders who understand self-build timelines and requirements.
Spanish Residency
We guide you through Spanish residency applications including NIE, Resident Card, and Golden Visa arrangements as part of your property purchase process.
Rejected Applications
Been turned down by a Spanish bank? We specialise in resolving previously rejected mortgage applications by finding the right lender for your specific situation.
Insurance & Personal Loans
Comprehensive life and health insurance products required alongside Spanish mortgages, plus unsecured personal loans for renovation, furnishing, or other needs.
Trusted by Buyers
Across the Costa del Sol
The team handled everything flawlessly. As a British buyer I was completely unfamiliar with the Spanish mortgage system, but FCG made the whole process straightforward and stress-free.
After being rejected by two banks directly, FCG found us a mortgage in under three weeks at a better rate than we had hoped for. Incredible service and deep knowledge of the market.
Highly professional from start to finish. They guided us through the NIE, bank account opening, and the mortgage itself. We would absolutely recommend them to any foreign buyer in Spain.
Working with Mike and his team was an absolute game changer for us as expats navigating the mortgage process in Spain. They were professional, responsive, and delivered results far beyond what we expected. We wouldn't have our dream home in Málaga without them.
Frequently Asked Questions
Yes — foreign buyers can absolutely get a Spanish mortgage. Most Spanish banks offer mortgages to non-residents, though they typically lend up to 70% LTV (vs 80% for residents). Having a NIE number and a Spanish bank account are prerequisites, both of which we can help you arrange.
With proper documentation, pre-qualification typically takes 2–3 business days. Full mortgage approval from a bank can take 2–6 weeks depending on the lender and complexity. Working with a broker significantly speeds up the process as we know each bank's requirements precisely.
Typically you will need: passport or national ID, proof of income (payslips or tax returns for 2 years), bank statements (3–6 months), employment contract or company accounts if self-employed, and details of the property you wish to purchase. We provide a personalised checklist based on your situation.
Our initial consultation and pre-qualification assessment is completely free of charge. We only charge our fees if you decide to contract one of the mortgage products we find for you.
Spain's Golden Visa grants residency rights to non-EU nationals who invest €500,000 or more in Spanish real estate. FCG can assist with the mortgage financing element and guide you through the residency application process alongside your property purchase.
Our Bank Partners
We maintain active relationships with Spain's leading financial institutions to ensure you get the most competitive rates available.
Find Out How Much
You Can Borrow
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Let's Find Your Perfect
Spanish Mortgage
Book a free, no-obligation consultation with one of our mortgage specialists today. We work across the Costa del Sol and serve clients throughout Spain.