{"id":6447,"date":"2026-08-14T08:37:59","date_gmt":"2026-08-14T06:37:59","guid":{"rendered":"https:\/\/homter2025.wildoomlab.com\/?page_id=6447"},"modified":"2026-08-14T08:43:40","modified_gmt":"2026-08-14T06:43:40","slug":"mortgage-broker","status":"publish","type":"page","link":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/","title":{"rendered":"Mortgage Broker"},"content":{"rendered":"<section class=\"block-hero alignfull wp-elements-1 wp-block-acf-hero has-text-color has-tertiary-color\">\n      <div\n      class=\"block-hero__media is-video\"\n      aria-hidden=\"true\"\n          >\n              <video\n          class=\"block-hero__video\"\n          autoplay\n          muted\n          loop\n          playsinline\n                      poster=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/04\/Homter_00AgenteComprador-1.jpg\"\n                  >\n          <source src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/04\/Homter_AgenteComprador.mp4\">\n        <\/video>\n          <\/div>\n  \n  <div\n    class=\"block-hero__inner\"\n    style=\"justify-content: center; align-items: center;\"\n  >\n    <div class=\"block-hero__content\">\n      \n\n<div class=\"wp-block-heading has-text-align-center is-t1\">Your <span class=\"is-text-highlighted\">trusted<\/span><h1> mortgage broker Spain<\/h1><br><\/div>\n\n\n\n<p class=\"has-text-align-center has-accent-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\"><strong>Resident rates. Even if you just arrived.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">We help foreigners and expats get resident mortgage conditions in Spain &#8211; whatever currency you earn in.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-application\/\">Check your mortgage options<\/a><\/div>\n<\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-t2\" id=\"h-the-mortgage-broker-that-fights-for-resident-conditions-on-your-behalf\">The mortgage broker that fights for resident conditions \u2014 on <span class=\"is-text-highlighted\">your behalf<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By your side from the first property check to the notary signing.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-list-checks\">\n<li><strong>10,000+<\/strong> expat families helped<\/li>\n\n\n\n<li><strong>#1 <\/strong>Mortgage Broker in Spain<\/li>\n\n\n\n<li><strong>100%<\/strong> success-based fee<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-application\/\">Get my free quote<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><video controls src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/homter.mp4\" poster=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/05\/poster-video-768x432.webp\"<\/video><\/figure><\/div>\n\n\n<section class=\"block-section wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<h2 class=\"wp-block-heading has-text-align-center is-t2\" id=\"h-the-entire-spanish-mortgage-market-working-for-you\">The entire spanish mortgage market \u2014 working <span class=\"is-text-highlighted\">for you<\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">We negotiate directly with Spain&#8217;s major banks and regional lenders \u2014so you get competing offers.<\/p>\n\n\n<div class=\"block block-logo-carousel wp-block-acf-logo-carousel\" data-logo-count=\"12\">\n  <div class=\"block-logo-carousel__viewport\">\n    <ul class=\"block-logo-carousel__track\" data-logo-track>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/santander.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/unicaja.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/cajarural-granada.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/eurocaja-rural.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/kutxabank.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/caixabank.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/myinvestor.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/abanca.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/sabadell.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/bankinter.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/globalcaja.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n                      <li class=\"block-logo-carousel__item\" data-logo-item>\n          <img decoding=\"async\" class=\"block-logo-carousel__image\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/02\/cajasiete.png\" alt=\"\" loading=\"lazy\" \/>\n        <\/li>\n          <\/ul>\n  <\/div>\n<\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-elements-3 wp-block-acf-section has-text-color has-tertiary-color has-background has-accent-background-color\">\n  <div class=\"block-section__inner\">\n    \n\n<h2 class=\"wp-block-heading has-text-align-center is-t2\" id=\"h-why-you-need-the-best-mortgage-broker-in-spain\">Why you need <span class=\"is-text-highlighted\">the best<\/span> mortgage broker in Spain<\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Buying in Spain is a minefield as a foreigner. We are your shield, defending your interests against&#8230;<\/p>\n\n\n<div class=\"block block-responsive-accordion is-two-columns wp-block-acf-responsive-accordion\" data-item-count=\"2\">\n  \n<details class=\"block-responsive-accordion-item wp-block-acf-responsive-accordion-item\" style=\"--ht-responsive-accordion-item-bg: var(--wp--preset--color--tertiary); --ht-responsive-accordion-item-text: var(--wp--preset--color--primary);\">\n  <summary class=\"block-responsive-accordion-item__summary\">\n    <span class=\"block-responsive-accordion-item__summary-main\">\n              <img decoding=\"async\" class=\"block-responsive-accordion-item__icon\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_currency-1.svg\" alt=\"\" loading=\"lazy\" \/>\n            <h3 class=\"block-responsive-accordion-item__title is-t4\">The real estate agency<\/h3>\n    <\/span>\n  <\/summary>\n  <div class=\"block-responsive-accordion-item__content\">\n    \n\n<p class=\"wp-block-paragraph\">The agency earns their commission from the seller. They want the highest price, the fastest close. They won&#8217;t flag an illegal extension or a valuation gap that cuts your mortgage by \u20ac50K.<\/p>\n\n  <\/div>\n<\/details>\n\n\n<details class=\"block-responsive-accordion-item wp-block-acf-responsive-accordion-item\" style=\"--ht-responsive-accordion-item-bg: var(--wp--preset--color--tertiary); --ht-responsive-accordion-item-text: var(--wp--preset--color--primary);\">\n  <summary class=\"block-responsive-accordion-item__summary\">\n    <span class=\"block-responsive-accordion-item__summary-main\">\n              <img decoding=\"async\" class=\"block-responsive-accordion-item__icon\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_homesearch-1.svg\" alt=\"\" loading=\"lazy\" \/>\n            <h3 class=\"block-responsive-accordion-item__title is-t4\">The bank<\/h3>\n    <\/span>\n  <\/summary>\n  <div class=\"block-responsive-accordion-item__content\">\n    \n\n<p class=\"wp-block-paragraph\">The bank is an expert at negotiating mortgages \u2014 and its interests are completely opposed to yours. They will force you into overpriced insurance and alarm systems to &#8220;earn&#8221; a discount.<\/p>\n\n  <\/div>\n<\/details>\n\n<\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-top\" style=\"grid-template-columns:auto 40%\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-t2\" id=\"h-not-just-an-introducer-your-mortgage-and-property-partner\">Not just an introducer. Your mortgage and property <span class=\"is-text-highlighted\">partner<\/span>.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most brokers find you a loan offer \u2014 then disappear. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We stay with you from the first property check to the notary signing. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your dedicated advisor validates the property, negotiates the purchase conditions, and fights for <strong>resident-level mortgage conditions<\/strong> \u2014 even if you just arrived in Spain.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/meetings-eu1.hubspot.com\/meetings\/homter\/mortgage-broker\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Book your free consultation<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"1024\" height=\"962\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN-1024x962.png\" alt=\"\" class=\"wp-image-4869 size-full\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN-1024x962.png 1024w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN-300x282.png 300w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN-768x721.png 768w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN.png 1056w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<p class=\"has-text-align-center is-t2 wp-block-paragraph\">Real success stories<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">See how we\u2019ve helped expats, digital nomads, and foreign residents secure financing while protecting their deposits <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-application\/\">Get your personalized strategy<\/a><\/div>\n<\/div>\n\n\n<section class=\"block block-case-studies-slider splide is-full align wp-block-acf-case-studies-slider\" data-case-slider>\n  <div class=\"block-case-studies-slider__controls\">\n    <button type=\"button\" class=\"block-case-studies-slider__nav\" data-case-slider-nav=\"prev\" aria-label=\"Slide anterior\"><\/button>\n    <button type=\"button\" class=\"block-case-studies-slider__nav\" data-case-slider-nav=\"next\" aria-label=\"Slide siguiente\"><\/button>\n  <\/div>\n\n  <div class=\"block-case-studies-slider__viewport splide__track\" data-case-slider-viewport>\n    <ul class=\"block-case-studies-slider__track splide__list\">\n              \n        <li class=\"block-case-studies-slider__slide splide__slide\" data-case-slider-slide>\n          <article class=\"case-studies-card\">\n                                          <h3 class=\"case-studies-card__title\">Case: a french couple &#038; the full-Service guidance<\/h3>\n              \n              <header class=\"case-studies-card__header\">\n                <div class=\"case-studies-card__client\">\n                                      <figure class=\"case-studies-card__client__media\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_CarolineGuillaume.jpg\" class=\"block-case-studies-slider__image wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_CarolineGuillaume.jpg 1000w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_CarolineGuillaume-300x300.jpg 300w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_CarolineGuillaume-150x150.jpg 150w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_CarolineGuillaume-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n                                    <div class=\"case-studies-card__client__bio\">\n                                          <div class=\"case-studies-card__client__bio__name\">Caroline &amp; Guillaume<\/div>\n                                                              <div class=\"case-studies-card__client__bio__location\">Sitges (Barcelona)<\/div>\n                                                              <div class=\"case-studies-card__rating\" aria-label=\"Valoracion: 5 de 5\"><span class=\"case-studies-card__stars\" aria-hidden=\"true\"><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><\/span><\/div>\n                                      <\/div>\n                <\/div>\n                                  <div class=\"case-studies-card__highlight\">Saved: 40,000\u20ac<\/div>\n                              <\/header>\n                              <div class=\"case-studies-card__testimonial\"><p>Buying a home in a foreign country is terrifying when you don&#8217;t know the banking system or the language. Spanish banks were incredibly slow and demanded documents we didn&#8217;t understand. Homter was our local compass. They handled all the bureaucracy and got us an amazing fixed rate. Having someone exclusively on our side guiding us step-by-step was priceless.<\/p>\n<\/div>\n                                            <ul class=\"case-studies-card__services\">\n                                      <li>Mortgage broker service in Sitges.<\/li>\n                                      <li>Purchase price: 520,000\u20ac.<\/li>\n                                      <li>Mortgage signed at 85% LTV (Fixed 30 years at 2.05% TIN).<\/li>\n                                  <\/ul>\n                          \n          <\/article>\n        <\/li>\n              \n        <li class=\"block-case-studies-slider__slide splide__slide\" data-case-slider-slide>\n          <article class=\"case-studies-card\">\n                                          <h3 class=\"case-studies-card__title\">Case: the digital nomad earning in non-EUR currency<\/h3>\n              \n              <header class=\"case-studies-card__header\">\n                <div class=\"case-studies-card__client\">\n                                      <figure class=\"case-studies-card__client__media\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Anne.jpg\" class=\"block-case-studies-slider__image wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Anne.jpg 1000w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Anne-300x300.jpg 300w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Anne-150x150.jpg 150w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Anne-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n                                    <div class=\"case-studies-card__client__bio\">\n                                          <div class=\"case-studies-card__client__bio__name\">Anne S. <\/div>\n                                                              <div class=\"case-studies-card__client__bio__location\">Barcelona<\/div>\n                                                              <div class=\"case-studies-card__rating\" aria-label=\"Valoracion: 5 de 5\"><span class=\"case-studies-card__stars\" aria-hidden=\"true\"><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><\/span><\/div>\n                                      <\/div>\n                <\/div>\n                                  <div class=\"case-studies-card__highlight\">Saved: 55,000\u20ac<\/div>\n                              <\/header>\n                              <div class=\"case-studies-card__testimonial\"><p>Earning my salary in Canadian dollars made local banks nervous due to currency risk, and the one bank that approved me forced me to buy their home alarm system and a premium health insurance. Homter stepped in, found a specialized lender for multi-currency profiles, and got me a clean mortgage with zero useless tied products.<\/p>\n<\/div>\n                                            <ul class=\"case-studies-card__services\">\n                                      <li>Mortgage Broker Service in Barcelona.<\/li>\n                                      <li>Purchase Price: 490,000\u20ac.<\/li>\n                                      <li>Mortgage signed at 80% LTV (Fixed 30 years at 1.95% TIN).<\/li>\n                                  <\/ul>\n                          \n          <\/article>\n        <\/li>\n              \n        <li class=\"block-case-studies-slider__slide splide__slide\" data-case-slider-slide>\n          <article class=\"case-studies-card\">\n                                          <h3 class=\"case-studies-card__title\">Case: the foreign LLC \/ self-smployed buyer<\/h3>\n              \n              <header class=\"case-studies-card__header\">\n                <div class=\"case-studies-card__client\">\n                                      <figure class=\"case-studies-card__client__media\"><img decoding=\"async\" width=\"848\" height=\"892\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Mark.jpg\" class=\"block-case-studies-slider__image wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Mark.jpg 848w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Mark-285x300.jpg 285w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_Mark-768x808.jpg 768w\" sizes=\"auto, (max-width: 848px) 100vw, 848px\" \/><\/figure>\n                                    <div class=\"case-studies-card__client__bio\">\n                                          <div class=\"case-studies-card__client__bio__name\">Mark T.<\/div>\n                                                              <div class=\"case-studies-card__client__bio__location\">M\u00e1laga<\/div>\n                                                              <div class=\"case-studies-card__rating\" aria-label=\"Valoracion: 5 de 5\"><span class=\"case-studies-card__stars\" aria-hidden=\"true\"><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><\/span><\/div>\n                                      <\/div>\n                <\/div>\n                                  <div class=\"case-studies-card__highlight\">Saved: 34,000\u20ac <\/div>\n                              <\/header>\n                              <div class=\"case-studies-card__testimonial\"><p>Spanish banks are terrified of foreign self-employment. The best offer we found on our own was 60% financing, meaning we had to put down way more cash than planned. Homter &#8216;translated&#8217; our UK company accounts into a format Spanish risk analysts accept. They got us 80% financing and a much lower interest rate<\/p>\n<\/div>\n                                            <ul class=\"case-studies-card__services\">\n                                      <li>Mortgage broker service in M\u00e1laga.<\/li>\n                                      <li>Purchase price: 580,000\u20ac.<\/li>\n                                      <li>Mortgage signed at 80% LTV (Fixed 25 years at 2.10% TIN).<\/li>\n                                  <\/ul>\n                          \n          <\/article>\n        <\/li>\n              \n        <li class=\"block-case-studies-slider__slide splide__slide\" data-case-slider-slide>\n          <article class=\"case-studies-card\">\n                                          <h3 class=\"case-studies-card__title\">Case: the Beckham law resident (A tech expat couple)<\/h3>\n              \n              <header class=\"case-studies-card__header\">\n                <div class=\"case-studies-card__client\">\n                                      <figure class=\"case-studies-card__client__media\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_ThomJulia.jpg\" class=\"block-case-studies-slider__image wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_ThomJulia.jpg 1000w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_ThomJulia-300x300.jpg 300w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_ThomJulia-150x150.jpg 150w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_CasoExito_ThomJulia-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n                                    <div class=\"case-studies-card__client__bio\">\n                                          <div class=\"case-studies-card__client__bio__name\">Thom K. &amp; Julia F.<\/div>\n                                                              <div class=\"case-studies-card__client__bio__location\">Madrid<\/div>\n                                                              <div class=\"case-studies-card__rating\" aria-label=\"Valoracion: 5 de 5\"><span class=\"case-studies-card__stars\" aria-hidden=\"true\"><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><span class=\"case-studies-card__star case-studies-card__star--full\">\u2605<\/span><\/span><\/div>\n                                      <\/div>\n                <\/div>\n                                  <div class=\"case-studies-card__highlight\">Secured 80% LTV<\/div>\n                              <\/header>\n                              <div class=\"case-studies-card__testimonial\"><p>Most Spanish bank branches didn&#8217;t understand my Beckham Law tax status and tried to offer me a non-resident mortgage capped at 60%. Homter\u2019s mortgage experts bypassed the local branches, went straight to the risk departments, and secured a 80% resident mortgage. They even successfully negotiated to remove the bank&#8217;s overpriced bank products. <\/p>\n<\/div>\n                                            <ul class=\"case-studies-card__services\">\n                                      <li>Mortgage broker service in Madrid.<\/li>\n                                      <li>Purchase price: 650,000\u20ac.<\/li>\n                                      <li>Mortgage signed at 80% LTV (Fixed mortgage 1.90% TIN).<\/li>\n                                  <\/ul>\n                          \n          <\/article>\n        <\/li>\n          <\/ul>\n  <\/div>\n<\/section>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<p class=\"has-text-align-center is-t2 wp-block-paragraph\">How we secure <span class=\"is-text-highlighted\">your home<\/span> &amp; <span class=\"is-text-highlighted\">your savings<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">How it works \u2014 step by step<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-application\/\">Request your free study<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-top\" style=\"grid-template-columns:auto 40%\"><div class=\"wp-block-media-text__content\">\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-1&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item ht-accordion-item--has-icon is-layout-flow wp-block-accordion-item-is-layout-flow\" style=\"--ht-accordion-icon:url('https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_analysis-1.svg')\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-1-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" id=\"accordion-item-1\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Tell us about your property and profile<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div aria-labelledby=\"accordion-item-1\" data-wp-bind--hidden=\"state.isHidden\" data-wp-on--beforematch=\"actions.handleBeforeMatch\" id=\"accordion-item-1-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Share the property you want to buy (or your search criteria) along with your financial profile \u2014 income source, residency status, and savings. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 15 minutes, we assess viability and tell you exactly what mortgage you can get.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-2&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item ht-accordion-item--has-icon is-layout-flow wp-block-accordion-item-is-layout-flow\" style=\"--ht-accordion-icon:url('https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_homeheart-1.svg')\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-2-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" id=\"accordion-item-2\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">We protect you<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div aria-labelledby=\"accordion-item-2\" data-wp-bind--hidden=\"state.isHidden\" data-wp-on--beforematch=\"actions.handleBeforeMatch\" id=\"accordion-item-2-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Our team checks the Nota Simple, urban planning status, cadastral records, and community accounts to ensure that everything is in order. Simultaneously, we package your foreign income documents into a format Spanish banks accept \u2014 avoiding the &#8220;non-resident&#8221; penalty.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-3&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item ht-accordion-item--has-icon is-layout-flow wp-block-accordion-item-is-layout-flow\" style=\"--ht-accordion-icon:url('https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_hands-1.svg')\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-3-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" id=\"accordion-item-3\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Technical inspection &amp; negotiation<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div aria-labelledby=\"accordion-item-3\" data-wp-bind--hidden=\"state.isHidden\" data-wp-on--beforematch=\"actions.handleBeforeMatch\" id=\"accordion-item-3-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Our team check for structural issues, expired ITEs, urban illegalities and real property valuation. We use this hard data to negotiate the final price and the arras contract terms.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-4&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item ht-accordion-item--has-icon is-layout-flow wp-block-accordion-item-is-layout-flow\" style=\"--ht-accordion-icon:url('https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_icon_homtercheck-1.svg')\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-4-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" id=\"accordion-item-4\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">The best mortgage rates<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div aria-labelledby=\"accordion-item-4\" data-wp-bind--hidden=\"state.isHidden\" data-wp-on--beforematch=\"actions.handleBeforeMatch\" id=\"accordion-item-4-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p class=\"wp-block-paragraph\">We secure the FEIN (binding bank offer) well in advance. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We know which bank offers the best mortgage for each type of client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No last-minute rate changes at the notary, no forced insurance products you didn&#8217;t agree to. We accompany you on signing day to ensure everything matches what was promised.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"910\" height=\"1024\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_home_nosotrosnosencargamos-910x1024.png\" alt=\"\" class=\"wp-image-4257 size-full\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_home_nosotrosnosencargamos-910x1024.png 910w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_home_nosotrosnosencargamos-267x300.png 267w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_home_nosotrosnosencargamos-768x864.png 768w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_home_nosotrosnosencargamos.png 1056w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/figure><\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section has-background has-accent-background-color\">\n  <div class=\"block-section__inner\">\n    \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading is-t2\" id=\"h-secure-your-property-amp-financial-strategy\">Secure your property &amp; financial <span class=\"is-text-highlighted\">strategy<\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-list-checks\">\n<li>Maximize your buying power<\/li>\n\n\n\n<li>Protect your deposit<\/li>\n\n\n\n<li>Receive a clear, personalized <strong>mortgage simulation<\/strong><\/li>\n<\/ul>\n\n\n<div class=\"block block-badges-container wp-block-acf-badges-container\">\n  \n\n<div class=\"wp-block-acf-badge-item block-badge-item has-tertiary-background-color has-background\"><p class=\"block-badge-item__big\">15&#8242;<\/p><p class=\"block-badge-item__small\">minutes<\/p><\/div>\n\n\n\n<div class=\"wp-block-acf-badge-item block-badge-item has-tertiary-background-color has-background\"><p class=\"block-badge-item__big\">100%<\/p><p class=\"block-badge-item__small\">free<\/p><\/div>\n\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<!-- Start of Meetings Embed Script -->\n    <div class=\"meetings-iframe-container\" data-src=\"https:\/\/meetings-eu1.hubspot.com\/meetings\/homter\/mortgage-broker?embed=true\"><\/div>\n    <script type=\"text\/javascript\" src=\"https:\/\/static.hsappstatic.net\/MeetingsEmbed\/ex\/MeetingsEmbedCode.js\"><\/script>\n  <!-- End of Meetings Embed Script -->\n<\/div>\n<\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-vertically-aligned-top\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"824\" height=\"1024\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_01-824x1024.png\" alt=\"\" class=\"wp-image-4289 size-full\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_01-824x1024.png 824w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_01-241x300.png 241w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_01-768x954.png 768w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_01.png 1056w\" sizes=\"(max-width: 824px) 100vw, 824px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-t2\" id=\"h-why-you-should-choose-homter-mortgage-broker\">Why you should choose Homter Mortgage broker?<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1772447783730\"><strong class=\"schema-faq-question\">What is a mortgage broker in Spain, and why do I need one?<\/strong> <p class=\"schema-faq-answer\">A mortgage broker is a financial professional dedicated to finding and negotiating the best mortgage conditions for your specific profile. However, in Spain, the traditional model is flawed. Most brokers act merely as &#8220;introducers&#8221; who pass your file to a bank and step back when legal or structural issues arise. Homter goes further: we are a &#8220;Finance-first&#8221; partner that combines aggressive financial negotiation with technical property validation to ensure you buy safely.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772524988351\"><strong class=\"schema-faq-question\"><strong>What exactly does Homter do differently than traditional agencies?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br>While traditional agencies work for the seller to close the deal quickly, we protect you from start to finish. Our comprehensive service includes:<br><br><strong>Profile analysis &amp; optimization:<\/strong> we structure your foreign income to maximize your borrowing capacity.<br><br><strong>Pre-valuation &amp; technical audits: <\/strong>we verify the property&#8217;s true value and physical condition before you sign any binding deposit contract (Arras).<br><br><strong>Direct-to-underwriter negotiation:<\/strong> we bypass local bank branches and negotiate directly with specialized <br>international risk departments to secure the best rates and strip away hidden bank fees.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772525132540\"><strong class=\"schema-faq-question\"><strong>How much does Homter\u2019s service cost?<\/strong><\/strong> <p class=\"schema-faq-answer\">Unlike &#8220;luxury&#8221; brokers that charge high upfront retainers or non-refundable fees just to look at your file, Homter operates on a transparent, 100% success-based model. We only win if we successfully secure your mortgage and guide you safely to the notary.<br><br>Because every buyer&#8217;s situation is unique\u2014from requiring a straightforward mortgage negotiation to needing full technical property inspections and complex foreign income structuring\u2014<strong>our fees are fully tailored to the exact level of service you require.<\/strong> Book a free 15-minute consultation with us; we will evaluate your specific project and provide a clear, personalized quote before you commit to anything.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772525183651\"><strong class=\"schema-faq-question\"><strong>Do you offer services in Marbella, Mallorca, or other specific regions?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Through our digital approach, we provide a nationwide online mortgage broker service. Whether you are buying a villa in Marbella (Costa del Sol), an apartment in Madrid or Barcelona, or a property in the Balearic Islands, our network of technical inspectors and financial negotiators covers the entirety of Spain.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772525203951\"><strong class=\"schema-faq-question\"><strong>Can I get a mortgage in Spain with foreign income (USD\/GBP)?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Digital nomad visa holders and Beckham law residents can successfully secure mortgages using foreign income. While traditional branch managers might reject USD or GBP income as &#8220;high risk,&#8221; we submit your profile to centralized underwriting teams that understand W-2, 1099, and P60 documentation. By presenting you as a &#8220;resident-in-waiting,&#8221; we can often unlock up to 80% LTV instead of the standard 60\u201370% non-resident cap.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772525283100\"><strong class=\"schema-faq-question\"><strong>How much deposit do I need to buy a property in Spain as a foreigner?<\/strong><\/strong> <p class=\"schema-faq-answer\">It depends entirely on how your mortgage is structured. Typically, non-residents are capped at 60\u201370% LTV, meaning you need 30\u201340% of the property price in cash, plus an additional 10\u201312% for taxes and fees. However, if you hold a Digital Nomad Visa or qualify as a fiscal resident, Homter can often negotiate an 80\u201390% LTV. On a \u20ac400,000 property, upgrading from a 70% to an 80% LTV saves you \u20ac40,000 in upfront cash requirements.<\/p> <\/div> <\/div>\n<\/div><\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section has-background has-secondary-background-color\">\n  <div class=\"block-section__inner\">\n    \n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-top\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-t2\" id=\"h-expert-answers-for-the-settled-expat\">Expert answers for the settled expat<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1772447783730\"><strong class=\"schema-faq-question\">What is the &#8220;tasaci\u00f3n&#8221; and how does it affect my deposit?<\/strong> <p class=\"schema-faq-answer\">Contratar a un broker hipotecario ofrece varias ventajas The <em>tasaci\u00f3n<\/em> is the official bank valuation of the property. Spanish banks will lend based on the <em>lower<\/em> of either the purchase price or this valuation. If you agree to buy a house for \u20ac500,000 but the bank values it at \u20ac450,000, a 70% mortgage will only cover \u20ac315,000. This leaves you with a \u20ac35,000 cash shortfall that you must cover immediately to avoid losing your 10% <em>Arras<\/em> deposit. We perform an independent desktop valuation <em>before<\/em> you sign any contracts to entirely prevent this &#8220;Valuation Trap&#8221;.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772524988351\"><strong class=\"schema-faq-question\"><strong><strong>Is the bank&#8217;s &#8220;tasaci\u00f3n&#8221; the same as a Home Inspection?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">No, and confusing the two is a critical mistake. A bank&#8217;s <em>tasaci\u00f3n<\/em> is a superficial 20-45 minute visit designed solely to protect the bank&#8217;s financial risk by determining market value. It does not verify the structural integrity of the home. A Home Inspection is an exhaustive 2-4 hour technical audit performed by an architect to detect hidden defects (like aluminosis, dampness, or illegal extensions) that could cost you tens of thousands of euros in future repairs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772525132540\"><strong class=\"schema-faq-question\"><strong><strong>What are the hidden costs of getting a mortgage in Spain?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Beyond the standard 10% ITP\/VAT and notary fees, the biggest hidden costs come from &#8220;bonification products&#8221;. Banks will often lure you in with a low advertised interest rate (e.g., 2.5%), but condition it on you purchasing their expensive life insurance, home insurance, and alarm systems. These forced products can add over \u20ac2,000 annually to your expenses. Homter analyzes the true Annual Percentage Rate (TAE) to ensure you aren&#8217;t overpaying through hidden banking cross-sales.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722521062\"><strong class=\"schema-faq-question\"><strong>Does the Beckham Law improve my mortgage conditions?<\/strong><\/strong> <p class=\"schema-faq-answer\">Absolutely. Spanish banks calculate your borrowing capacity based on your Net Disposable Income (NDI). Under standard progressive tax rates (which can reach 47\u201350%), your take-home pay is significantly reduced. Because the Beckham Law caps your income tax at a flat 24% up to \u20ac600,000, your net income is much higher. This dramatically lowers your Debt-to-Income (DTI) ratio, allowing you to borrow 20\u201330% more than someone with the identical gross salary under standard taxation.<\/p> <\/div> <\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"845\" height=\"1024\" src=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_02-845x1024.png\" alt=\"\" class=\"wp-image-4291 size-full\" srcset=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_02-845x1024.png 845w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_02-248x300.png 248w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_02-768x931.png 768w, https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_Faqs_02.png 1056w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/figure><\/div>\n\n  <\/div>\n<\/section>\n\n\n<section class=\"block-section alignfull wp-block-acf-section\">\n  <div class=\"block-section__inner\">\n    \n\n<p class=\"has-text-align-center is-t2 wp-block-paragraph\">Stop buying alone. Start with <span class=\"is-text-highlighted\">advantage<\/span>.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Don&#8217;t leave your biggest investment to chance. You have an expert ready to <strong>find, negotiate, and finance<\/strong> your future home.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/meetings-eu1.hubspot.com\/meetings\/homter\/mortgage-broker\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Schedule your session<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-application\/\">Get my mortgage quote<\/a><\/div>\n<\/div>\n\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"class_list":["post-6447","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Broker in Spain: 100% Buyer-Focused | Homter<\/title>\n<meta name=\"description\" content=\"Need a mortgage in Spain? We are your independent broker. We secure the best rates and protect your purchase from start to finish.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Broker\" \/>\n<meta property=\"og:description\" content=\"Need a mortgage in Spain? We are your independent broker. We secure the best rates and protect your purchase from start to finish.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/\" \/>\n<meta property=\"og:site_name\" content=\"Homter - Broker hipotecario\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/homter.es\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-14T06:43:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/homter2025.wildoomlab.com\/wp-content\/uploads\/2026\/03\/Homter_tabla-servicios_EN-1024x962.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/\",\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/\",\"name\":\"Mortgage Broker in Spain: 100% Buyer-Focused | Homter\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/Homter_tabla-servicios_EN-1024x962.png\",\"datePublished\":\"2026-08-14T06:37:59+00:00\",\"dateModified\":\"2026-08-14T06:43:40+00:00\",\"description\":\"Need a mortgage in Spain? 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However, in Spain, the traditional model is flawed. Most brokers act merely as \\\"introducers\\\" who pass your file to a bank and step back when legal or structural issues arise. Homter goes further: we are a \\\"Finance-first\\\" partner that combines aggressive financial negotiation with technical property validation to ensure you buy safely.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772524988351\",\"position\":2,\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772524988351\",\"name\":\"What exactly does Homter do differently than traditional agencies?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<br>While traditional agencies work for the seller to close the deal quickly, we protect you from start to finish. Our comprehensive service includes:<br><br><strong>Profile analysis &amp; optimization:<\\\/strong> we structure your foreign income to maximize your borrowing capacity.<br><br><strong>Pre-valuation &amp; technical audits: <\\\/strong>we verify the property's true value and physical condition before you sign any binding deposit contract (Arras).<br><br><strong>Direct-to-underwriter negotiation:<\\\/strong> we bypass local bank branches and negotiate directly with specialized <br>international risk departments to secure the best rates and strip away hidden bank fees.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525132540\",\"position\":3,\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525132540\",\"name\":\"How much does Homter\u2019s service cost?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Unlike \\\"luxury\\\" brokers that charge high upfront retainers or non-refundable fees just to look at your file, Homter operates on a transparent, 100% success-based model. We only win if we successfully secure your mortgage and guide you safely to the notary.<br><br>Because every buyer's situation is unique\u2014from requiring a straightforward mortgage negotiation to needing full technical property inspections and complex foreign income structuring\u2014<strong>our fees are fully tailored to the exact level of service you require.<\\\/strong> Book a free 15-minute consultation with us; we will evaluate your specific project and provide a clear, personalized quote before you commit to anything.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525183651\",\"position\":4,\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525183651\",\"name\":\"Do you offer services in Marbella, Mallorca, or other specific regions?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Through our digital approach, we provide a nationwide online mortgage broker service. Whether you are buying a villa in Marbella (Costa del Sol), an apartment in Madrid or Barcelona, or a property in the Balearic Islands, our network of technical inspectors and financial negotiators covers the entirety of Spain.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525203951\",\"position\":5,\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525203951\",\"name\":\"Can I get a mortgage in Spain with foreign income (USD\\\/GBP)?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Digital nomad visa holders and Beckham law residents can successfully secure mortgages using foreign income. While traditional branch managers might reject USD or GBP income as \\\"high risk,\\\" we submit your profile to centralized underwriting teams that understand W-2, 1099, and P60 documentation. By presenting you as a \\\"resident-in-waiting,\\\" we can often unlock up to 80% LTV instead of the standard 60\u201370% non-resident cap.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525283100\",\"position\":6,\"url\":\"https:\\\/\\\/homter2025.wildoomlab.com\\\/en\\\/mortgage-broker\\\/#faq-question-1772525283100\",\"name\":\"How much deposit do I need to buy a property in Spain as a foreigner?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends entirely on how your mortgage is structured. Typically, non-residents are capped at 60\u201370% LTV, meaning you need 30\u201340% of the property price in cash, plus an additional 10\u201312% for taxes and fees. However, if you hold a Digital Nomad Visa or qualify as a fiscal resident, Homter can often negotiate an 80\u201390% LTV. 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However, in Spain, the traditional model is flawed. Most brokers act merely as \"introducers\" who pass your file to a bank and step back when legal or structural issues arise. Homter goes further: we are a \"Finance-first\" partner that combines aggressive financial negotiation with technical property validation to ensure you buy safely.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772524988351","position":2,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772524988351","name":"What exactly does Homter do differently than traditional agencies?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<br>While traditional agencies work for the seller to close the deal quickly, we protect you from start to finish. Our comprehensive service includes:<br><br><strong>Profile analysis &amp; optimization:<\/strong> we structure your foreign income to maximize your borrowing capacity.<br><br><strong>Pre-valuation &amp; technical audits: <\/strong>we verify the property's true value and physical condition before you sign any binding deposit contract (Arras).<br><br><strong>Direct-to-underwriter negotiation:<\/strong> we bypass local bank branches and negotiate directly with specialized <br>international risk departments to secure the best rates and strip away hidden bank fees.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525132540","position":3,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525132540","name":"How much does Homter\u2019s service cost?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Unlike \"luxury\" brokers that charge high upfront retainers or non-refundable fees just to look at your file, Homter operates on a transparent, 100% success-based model. We only win if we successfully secure your mortgage and guide you safely to the notary.<br><br>Because every buyer's situation is unique\u2014from requiring a straightforward mortgage negotiation to needing full technical property inspections and complex foreign income structuring\u2014<strong>our fees are fully tailored to the exact level of service you require.<\/strong> Book a free 15-minute consultation with us; we will evaluate your specific project and provide a clear, personalized quote before you commit to anything.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525183651","position":4,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525183651","name":"Do you offer services in Marbella, Mallorca, or other specific regions?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Through our digital approach, we provide a nationwide online mortgage broker service. Whether you are buying a villa in Marbella (Costa del Sol), an apartment in Madrid or Barcelona, or a property in the Balearic Islands, our network of technical inspectors and financial negotiators covers the entirety of Spain.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525203951","position":5,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525203951","name":"Can I get a mortgage in Spain with foreign income (USD\/GBP)?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Digital nomad visa holders and Beckham law residents can successfully secure mortgages using foreign income. While traditional branch managers might reject USD or GBP income as \"high risk,\" we submit your profile to centralized underwriting teams that understand W-2, 1099, and P60 documentation. By presenting you as a \"resident-in-waiting,\" we can often unlock up to 80% LTV instead of the standard 60\u201370% non-resident cap.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525283100","position":6,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525283100","name":"How much deposit do I need to buy a property in Spain as a foreigner?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends entirely on how your mortgage is structured. Typically, non-residents are capped at 60\u201370% LTV, meaning you need 30\u201340% of the property price in cash, plus an additional 10\u201312% for taxes and fees. However, if you hold a Digital Nomad Visa or qualify as a fiscal resident, Homter can often negotiate an 80\u201390% LTV. On a \u20ac400,000 property, upgrading from a 70% to an 80% LTV saves you \u20ac40,000 in upfront cash requirements.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772447783730","position":7,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772447783730","name":"What is the \"tasaci\u00f3n\" and how does it affect my deposit?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Contratar a un broker hipotecario ofrece varias ventajas The <em>tasaci\u00f3n<\/em> is the official bank valuation of the property. Spanish banks will lend based on the <em>lower<\/em> of either the purchase price or this valuation. If you agree to buy a house for \u20ac500,000 but the bank values it at \u20ac450,000, a 70% mortgage will only cover \u20ac315,000. This leaves you with a \u20ac35,000 cash shortfall that you must cover immediately to avoid losing your 10% <em>Arras<\/em> deposit. We perform an independent desktop valuation <em>before<\/em> you sign any contracts to entirely prevent this \"Valuation Trap\".","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772524988351","position":8,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772524988351","name":"Is the bank's \"tasaci\u00f3n\" the same as a Home Inspection?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, and confusing the two is a critical mistake. A bank's <em>tasaci\u00f3n<\/em> is a superficial 20-45 minute visit designed solely to protect the bank's financial risk by determining market value. It does not verify the structural integrity of the home. A Home Inspection is an exhaustive 2-4 hour technical audit performed by an architect to detect hidden defects (like aluminosis, dampness, or illegal extensions) that could cost you tens of thousands of euros in future repairs.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525132540","position":9,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772525132540","name":"What are the hidden costs of getting a mortgage in Spain?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Beyond the standard 10% ITP\/VAT and notary fees, the biggest hidden costs come from \"bonification products\". Banks will often lure you in with a low advertised interest rate (e.g., 2.5%), but condition it on you purchasing their expensive life insurance, home insurance, and alarm systems. These forced products can add over \u20ac2,000 annually to your expenses. Homter analyzes the true Annual Percentage Rate (TAE) to ensure you aren't overpaying through hidden banking cross-sales.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772722521062","position":10,"url":"https:\/\/homter2025.wildoomlab.com\/en\/mortgage-broker\/#faq-question-1772722521062","name":"Does the Beckham Law improve my mortgage conditions?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Absolutely. Spanish banks calculate your borrowing capacity based on your Net Disposable Income (NDI). Under standard progressive tax rates (which can reach 47\u201350%), your take-home pay is significantly reduced. Because the Beckham Law caps your income tax at a flat 24% up to \u20ac600,000, your net income is much higher. 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