You buy in Spain. We ensure the financing is correct.
Tailored financing for employees, entrepreneurs, director-major shareholders, and wealthy buyers.
Within 24 hours, you will know what is truly possible in your situation.
✓ Personal mortgage scan for €99
✓ Response within one business day
✓ Access to 12 Spanish and international banks
✓ 10 years specialized in Director-Major Shareholders & Entrepreneurs
100% offset upon mortgage application · Financing not possible? €99 back · Confidential
★★★★★ 4,9/5
Ibiza · Mallorca · Marbella · Costa Blanca · Costa Brava
€380M
Funded for customers
10 years
Specialization in Spain
4,9 / 5
120 Google reviews
12
Banking partnerS
D484
Bank of Spain
our approach
From inquiry to key handover — in 4 steps
A clear process without surprises. You stay in control, we do the heavy lifting.
01
Order your mortgage scan
Pay €99 and fill in your situation (2 minutes). No financing available? You get €99 back. Will be offset against your mortgage application.
02
Personal analysis
You will receive an initial estimate of your financing options within 1 business day.
03
Strategy discussion
We discuss your situation, goals, and the best route through our banking partners.
04
Approved & passed
We handle the entire file — from quotation to Spanish notary.
Only 8 new files per month — apply in good time.
Why a Spanish Mortgage
An advisor who truly understands your profile
Specialist for entrepreneurs
Spanish banks view director-major shareholders and BV structures differently. We know exactly how to build a dossier that *will* be approved.
Direct access to banks
10 years of daily contact with 12 Spanish and international banks. Conditions you won't get through regular channels.
Boutique, no volume
Maximum of 8 new cases per month. Personal contact with the advisor who actually handles your case.
what we stand for
Boutique. Personal. Proven.
Spaanse Hypotheek is a boutique firm. We handle a select number of files per year to guarantee quality, peace of mind, and personal attention.
For over 10 years, we have been working with Spanish banks, notaries, and lawyers every day. We know where obstacles arise and where opportunities lie — even in complex cases.
For entrepreneurs & director-major shareholders
Buying a house in Spain as an entrepreneur?
We make it simple.
A mortgage in Spain for entrepreneurs requires a different approach than in the Netherlands. Spanish banks look at your net taxable income, and not at your turnover or assets within the BV. As a result, many director-major shareholders and entrepreneurs wrongly encounter obstacles.
✓ Strategic evaluation of your BV structure and income
✓ Negotiation with banks that actually understand entrepreneurs ✓ Guidance on purchase, taxation, and regulations ✓ Minimum purchase price €250,000 — focus on quality instead of volume
Proven results · Proven approach · Customization
Featured cases
Real files, real outcomes. Anonymized where necessary.
Case 1 · Director-Major Shareholder
Dave & Dominique — Summit of the Sun
Two busy entrepreneurs who bought their dream home in Cumbre del Sol. The Spanish bank suddenly pulled the plug. Within 3 weeks, we arranged financing through a second bank — on better terms.
Ask your question first →
Case 2 · Entrepreneur
Martin — Costa Blanca
The construction of Martin's villa was significantly delayed. A Spanish mortgage offer is valid for only 2 months as standard. We extended the offer and negotiated the interest rate down.
Ask your question first →
to suggest
The people behind your file
For over 10 years, we have maintained daily contact with Spanish banks, notaries, and lawyers. You work directly with the advisor — no intermediaries.
Patrick Kruger
Founder & Senior Advisor
10 years · Registered with the Banco de España · AEBANCA Member
Patrick has been assisting Dutch entrepreneurs and wealthy buyers with financing real estate in Spain since 2015. With over 10 years of experience and a strong network of 12 Spanish and international banks, he knows where the opportunities lie — even if, on paper, they do not immediately fit within the rules.
Kim van Peer
Founder & Senior Advisor
10 years · Registered with the Banco de España · AEBANCA Member
Kim guides our clients through the entire purchasing process in Spain and ensures that everything runs smoothly from reservation to transfer at the notary. In addition, she monitors the progress of every file.
Frequently Asked Questions
Answer to the questions you have now
Is your question not listed?
How much does a mortgage scan cost?
The mortgage scan costs a one-time fee of €99. You will receive a personal assessment from a senior advisor within one business day. If you decide to apply for a mortgage through us afterwards, we will deduct the full €99 from the advisory fee.
How much can I borrow in Spain as a non-resident?
Spanish banks typically finance non-residents up to 60–70% of the appraised value. There are specific routes for entrepreneurs and director-major shareholders — we review your situation personally.
Do you only work for entrepreneurs?
We specialize in entrepreneurs, director-major shareholders, and wealthy buyers with a purchase price of €250,000 or more. We accept salaried employee cases selectively.
In which regions do you work?
We assist with purchases throughout Spain. Most clients buy in Ibiza, Mallorca, Marbella/Costa del Sol, Costa Blanca North (Jávea, Moraira, Denia), and Costa Brava.
How quickly is a mortgage arranged?
The average process takes 6–10 weeks from application to notary. For complex cases, this may take longer — we will keep you continuously informed.
Are you regulated?
Yes. Spanish Mortgage is registered with the Banco de España in the Register of Real Estate Credit Intermediaries under number D484.
What if it turns out that financing is not possible?
Don't worry. If our analysis shows that financing is not (yet) feasible in your situation, you will receive a refund of the €99 for the mortgage scan. No cure, no pay.
Transparent about our choice
Why pay in advance for the mortgage scan
In the Netherlands, no-obligation mortgage consultations are often free, but in Spain, it works differently. We consciously opt for a paid scan — and not without reason.
01
Focus on quality
Every year, thousands of Dutch people consider a home in Spain, but only 10% actually take the plunge. With the paid scan, we focus our time and expertise on serious buyers — and you get the attention you deserve.
02
Avoid disappointment
The scan prevents you from investing time and energy in homes that are not financially feasible. You know where you really stand within 24 hours — before you fly to Spain.
03
Long-term savings
With an investment of just €99, you avoid costly mistakes, missed opportunities, and unnecessary expenses. One wrong assumption can cost thousands of euros — or a missed dream home.
What you get for €99
✓ Personal analysis by senior advisor
✓ Indication of interest rate, term, and bank route
✓ Written report telephone explanation
€99 is 100% offset against the advisory fee if you apply for your mortgage through us · 7-day money-back guarantee · Financing not possible? €99 back
What you get for €99
✓ Estimate of maximum loan amount in Spain
✓Advice on BV structure / Director-major shareholder income
✓ Response within one business day
€99 is 100% offset against the advisory fee if you apply for your mortgage through us · 7-day money-back guarantee · Financing not possible? €99 back
