Mortgages for non-residents in Spain
Fast and flexible financing through private capital for international buyers. Your property in Spain, now within your reach.
Resolución rápida
Get a mortgage for non-residents quickly, with fewer requirements than traditional banks and faster approvals.
Asesoramiento internacional
We guide you through the entire purchase process in Spain. NIE, documentation, valuation and notarization.
Soporte personalizado
Direct support in Spanish, English, German, Dutch, and French. Ideal for foreigners seeking clear and straightforward financing.
Flexible, secure financing tailored to international buyers
Obtener una hipoteca como no residente puede ser complicado… salvo que trabajes con especialistas. En Palma Finance conectamos a compradores extranjeros con soluciones hipotecarias mediante capital privado, ideales para adquirir propiedades en Mallorca, Baleares y la Costa del Sol sin las restricciones de los bancos tradicionales.
Financing solution
Financing structured according to the real value of the property, not according to your country of residence.
Wealth growth
Ideal para inversores extranjeros que desean expandir su portafolio inmobiliario en España.
Red de prestamistas
Expert private lenders specializing in international clients, with fast processes and minimal requirements.
Smart financing solutions for non-residents
We work with buyers from the European Union, the United Kingdom, the United States, Switzerland, the United Arab Emirates, and Latin America. Each case receives a tailored solution.
Private mortgages for non-residents
Property-based financing, ideal for clients with overseas income or complex documentation.
Refinancing and improved terms
If you already own a property in Spain, we can help you refinance it under better conditions or obtain liquidity.
Bridge loans for buyers
Fast financing to close urgent purchases while you manage documentation or sales in your country.
Mortgages for luxury properties
Specializing in villas, country estates and premium properties in Mallorca, Ibiza and Costa del Sol.
Mortgages with unencumbered properties
Ultra-fast approvals when the property is free of a previous mortgage.
Investment financing
Tourist apartments, second homes and properties for rent.
Fast, safe and designed for foreigners
Forget endless processes. Our private mortgages for non-residents offer:
Studies in 24-48 hours
Fewer requirements and less bureaucracy
Approval based on property value
Notary signings in weeks, not months
Shop in Spain without complications, even if you don't live here
Miles de extranjeros compran cada año en Mallorca, Ibiza, Menorca y la Costa del Sol. Con Palma Finance, tu experiencia es fácil, transparente y segura.
Financing solution
Structured financing based on the real value of the property, regardless of your country of residence.
International growth
Ideal for international investors.
Network of experts
Lenders who understand the needs of foreign buyers.
Frequently asked questions about mortgages for non-residents
We answer the most common questions about mortgages for non-residents in Spain.
Sí. En Palma Finance ayudamos a no residentes de la UE y fuera de la UE a obtener financiación mediante capital privado sin los requisitos estrictos de los bancos.
Generally:
• NIE (Foreigner Identification Number
) • Passport
• Financial report from the country of origin (SCHUFA, Experian, TransUnion, etc.)
• Bank statements
• Proof of funds or income
• Deed or property information
Banks typically don't exceed 60-70%, but with private capital it's possible to obtain financing based on the property value, even with more flexible conditions.
The study takes 24 to 72 hours. The signing can take place in a few weeks, depending on the case.
Yes. Private financing allows you to acquire properties without the need for residency, a Spanish payslip, or extensive documentation.
Yes. We specialize in international profiles and we know the specific requirements of each country.
