Expat and non-resident mortgages in Spain
Straightforward solutions for international buyers and non-residents
No-nonsense advice. Local expertise. Personal support.
Get expert help with your mortgage in Spain
Whether you’re already living in Spain, relocating, buying a holiday home, or investing from abroad, Baleario helps you secure the right mortgage without the stress. We specialise in guiding expats and non-residents through Spain’s lending process – in clear, simple steps.
Types of mortgages we arrange:
- Non-resident mortgages – Buy property in Spain as an international or expat buyer.
- Resident mortgages – Finance your home if you're living or working in Spain.
- Buy-to-let mortgages – Mortgage options for property investors.
- Self-employed & autónomo mortgages – Solutions tailored to business owners.
- Refinancing & equity release – Improve your deal or unlock property value.
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We never share your details. Your privacy is protected.
How we simplify the mortgage process
We take care of the complexity so you don’t have to. Our 5-step process makes it easy:
Free consultation
We review your circumstances and goals, then explain what’s possible.
Feasibility study
We assess your affordability and borrowing capacity.
Pre-approval
We source a mortgage in principle from trusted lenders.
Application & paperwork
We liaise with banks and handle the admin in Spanish and English.
Completion
We help you finalise your mortgage and collect the keys stress-free.
Why expats choose Baleario
Mortgage expertise for non-residents
We understand the challenges expats face – and how to overcome them.
Access to Spain’s top lenders
We compare offers from leading banks to get you the best deal.
Clear, practical advice
No jargon. No guesswork. Just straight-talking support in plain English.
We handle the hard part
From paperwork to bank negotiations, we keep things moving for you.
Tailored to your needs
Every mortgage is matched to your personal and financial situation.
testimonials
What our clients say
“Baleario made buying our holiday home in Mallorca completely stress-free. Their team explained every step, helped us find a great mortgage deal, and handled all the paperwork. Highly recommend!”
James & Emma M.
UK Expats
“As a self-employed expat, I struggled to find a mortgage in Spain. Baleario’s team found the right lender and made the whole process easy.”
Michael R.
Barcelona
We work with Spain’s leading mortgage lenders
Your trusted mortgage broker in Spain
Buying property in Spain? Our experts are here to help you navigate the mortgage process with ease.
- Expat-friendly solutions – Specialist support for non-residents and international buyers.
- Competitive rates – Access to top lenders and exclusive mortgage deals.
- End-to-end service – From application to approval, we handle the details.
Ready to secure your mortgage?
Contact us today and let’s explore your options.