Buy in Spain safely, protected from start to finish
We are your buyer agent. We validate the property, protect your deposit, and secure the right mortgage for you.
Finally, someone who defends your interests, not the seller’s
- +10.000 Expats & Locals assisted
- #1 Buyer’s Agent in Spain
- 100% Success-based fee
100% customer satisfaction
The Spanish market protects the seller, not you
Without an expert on your side, you’re at a disadvantage
Losing your deposit
In Spain, “arras deposits” are binding. If your mortgage is denied after signing, you can lose your 10% deposit.
Fly away in 72h
Inheriting hidden defects
Real Estate agents work for the seller’s commission. They often ignore illegal renovations or hidden defects that become your problem.
You risk your savings
The "Valuation Gap"
If the bank’s appraisal is lower than your offer, you must cover the gap in cash immediately. Most expats aren’t warned about this.
+€40,000 in additional costs
We change the rules in your favor
All in one place, fully tailored to expat needs
Find it before anyone else
Our smart tech scans every real estate portal and agencies, so you never miss an opportunity.
- +3.000 properties scanned daily
- Off-Market opportunities
- Real time alerts on your phone
Buy with confidence
We validate the real market value and technical condition before you make an offer.
- True market valuation
- Home Inspection
- Smart offer strategy
Protect your savings
We detect debts, abusive clauses, and hidden costs before you commit.
- “Arras” contract shield
- Debt & Registry checks
- Community audit
Secure the right mortgage
We help expats compare, negotiate and secure the right mortgage in Spain.
- Compare 15+ Banks
- Optimized interest conditions
- Max financing available
The spanish mortgage market at your figertips
Stop asking. Start choosing.
Real people, real results
500+ families bought with a buyer’s agent by their side
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Case: the full expat handholding
Caroline & Guillaume (France)Seaside village near BarcelonaSaved: 56,000€Buying our main residence in Spain as foreigners felt daunting, but Homter guided us through every step. From negotiation to signing, they were always available, making the whole process smooth and stress-free. They reviewed the legal paperwork so our deposit was never at risk, and got our mortgage approved despite our complex self-employed income. We’ve already recommended them to friends.
- Full Buyer's agent service.
- 56,000€ deposit protected through 'subject to finance' clauses.
- Mortgage approved despite complex foreign income.
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Case: the Irish expat & valuation issue
James K. (Ireland)BarcelonaSaved: 39,000€Finding an independent, well-connected agent in Barcelona is tough — especially if you don’t speak Spanish or Catalan. Homter guided me through every step of the buying and mortgage process, making everything simple and stress-free. Their technical team found hidden dampness, saving me €8k in repairs, and they successfully managed the bank’s valuation to match the purchase price.
- Full buyer's agent service.
- Achieved 85% financing.
- Saved 39,000€ through direct negotiation.
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Case: the Beckham law resident & the illegal pool
Lars & Emma (Sweden)MallorcaSaved: 62,000€We almost bought a luxury villa directly through a seller’s agency. Homter’s legal team stepped in and discovered the pool and guest house were built illegally and had pending fines. We walked away safely. When they found the right house for us, their mortgage brokers bypassed the local banks who didn’t understand our ‘Beckham Law’ tax status, securing us a 90% resident mortgage.
- Full Buyer's Agent Service.
- Risk Avoided: Inheriting unregistered (illegal) constructions.
- Mortgage signed at 90% LTV (Fixed 30 years at 1.85% TIN).
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Case: the US entrepreneur
Sarah M. (USA)MálagaSaved: 49,000€As an American, just opening a bank account in Spain is a nightmare because of FATCA, let alone getting a mortgage. Sellers kept rejecting my offers because they assumed my US financing would take months or fall through. Homter completely flipped the script. They pre-validated my LLC income with their partner banks before we even viewed properties. When we found the right penthouse, Homter presented my offer with guaranteed financial backing. We actually beat a local cash buyer, and they secured my mortgage in record time.
- Full Buyer's agent service (Search, Audit, Finance).
- Risk Avoided: Losing out on properties due to seller bias against complex foreign financing.
- Mortgage signed at 80% LTV (Fixed 30 years at 2.10% TIN).
Book the call for your future home
In just 15 minutes, we’ll review your profile and let you know what you can buy and how to finance it.
- We asses your buying viability
- Understand your real budget
- Get a clear mortgagte simulation
15′
Minutes
100%
Free
Buying property in Spain
In Spain, traditional real estate agents work for and are paid by the seller; their goal is to sell fast at the highest price. A Buyer’s Agent (like Homter) works exclusively for you. We scout the entire market (including off-market deals), validate the property’s legal status, and negotiate the lowest possible price and mortgage rates for you.
This is the #1 fear for expats buying property in Spain. We provide an “Arras Shield”: our legal team reviews every contract before you sign or pay anything. We ensure the inclusion of “subject to finance” clauses, meaning if the mortgage is denied, you get 100% of your deposit back.
Yes. Unlike standard brokers, we include or coordinate a technical inspection. We use technology to detect structural issues, dampness, or illegal extensions that aren’t visible during a quick visit, preventing you from inheriting a “money pit”.
We perform a forensic cross-check of the Registry and Catastro. It is common in Spain for pools, terraces, or extensions to be unregistered (illegal). This can cause mortgage denial or future fines. Our legal team verifies that the physical reality of the house matches its legal description and that there are no hidden community debts or spills (derramas) you would inherit.
We negotiate using data, not just asking. In a hot market, aggressive low-balling fails. Instead, we use the findings from our technical and legal audit (e.g., “The electrical system needs a €5k update” or “The ITE is pending”) to objectively justify a price reduction. This approach is professional and highly effective in lowering the final price.
Absolutely. You can activate our service at any stage. If you’ve found a home, we immediately pivot to the Audit and Negotiation phase: we validate the price, perform the legal/technical checks, and secure your mortgage.
We act as your concierge interface. While you focus on choosing your home, we coordinate the “administrative grind”—from property registry checks to notary coordination—so you never feel paralyzed by the system.
If the official appraisal comes in lower than expected, you could face a funding shortfall. However, Homter protects you from this “valuation gap” before you even sign, using three highly effective strategies:
* The “Arras” shield (Contract protection): we ensure the inclusion of “subject to finance” clauses. If the appraisal is too low to secure your mortgage, this clause guarantees you get 100% of your deposit back.
* Pre-offer market accuracy: before you make an offer, we validate the real market value. By ensuring you don’t overpay from the start, we drastically reduce the risk of a low bank appraisal.
* Multi-bank strategy: different banks use different official appraisal companies. If one bank’s valuation falls short, we leverage our network of banks to explore alternative options and secure the financing you need.
It means our interests are perfectly aligned with yours. Our initial analysis, budget validation, and mortgage simulations are free. You only pay our fee if you successfully complete the purchase of your home.
Yes, and this is our biggest advantage. Unlike traditional property finders who leave you to deal with banks alone, Homter is also a licensed Mortgage Broker in Spain. We integrate your property search with your financial profile from day one. Whether you are a Digital Nomad, under the Beckham Law, self-employed, or seeking high LTV financing (up to 100%), our financial team structures your profile before you even make an offer.
Discover how our specialized Mortgage Broker service works for expats.
Absolutely. Finding the house is only half the battle; securing it without abusive bank conditions is the other. Because we manage the entire process, we don’t just put banks in competition for the lowest interest rate; we also act as your advocate to “unbundle” expensive tied products, such as life and home insurance. We ensure the final financial structure of your purchase is truly profitable for you, not the bank.
We provide our online mortgage broker and buyer’s agent services throughout Spain. While our core team manages operations centrally, our digital approach allow us to scan, validate, and secure properties nationwide, regardless of whether you are buying in Barcelona, Madrid, Valencia, or the coastal regions.
Yes, we act as your bilingual shield. Even if you reside in Spain, local real estate jargon and banking bureaucracy are incredibly complex. We handle all the aggressive agency negotiations, legal contract reviews, and bank communications in Spanish. Then, we translate the technical, legal, and financial realities into clear English for you. Our goal is to ensure you buy like a savvy local, completely avoiding the “expat premium” that agencies often try to charge foreigners.
Stop buying alone. Buy with an expert buyer agent on your side
We help you find, validate and finance your home in Spain