EV+ Hipotecas is a regulated Spanish mortgage broker based in Barcelona, specializing in helping expats and non-residents purchase property across Spain.

Working with more than 15 Spanish banks—including lenders experienced in financing international buyers—our team compares mortgage options and negotiates the most competitive terms based on your financial profile.

Our entire mortgage process is conducted in English and can be completed remotely. From your free initial assessment and document preparation to bank negotiations and mortgage approval, we guide you every step of the way. Most clients do not need to travel to Spain until the final property signing, and in many cases, even that can be completed through a Power of Attorney.

As a registered Spanish mortgage intermediary, we are committed to providing transparent and professional advice. Our service is free for buyers until the mortgage is successfully completed, as our fee is paid by the lending bank.

Whether you’re purchasing a holiday home, relocating to Spain, investing in real estate, or buying your dream retirement property, EV+ Hipotecas helps make the mortgage process simple, efficient, and stress-free.

Services

• Mortgage eligibility assessment for non-residents
• Comparison of 15+ Spanish banks
• Mortgage rate and term negotiation
• Full document management in English
• Support for buyers with foreign income
• Non-resident mortgages (up to 70% LTV)
• Mortgage refinancing and subrogation
• Power of Attorney guidance
• Mortgage approval assistance
• End-to-end mortgage support

Who We Help

• Expats moving to Spain
• Non-resident property buyers
• Holiday home buyers
• Real estate investors
• First-time international buyers
• Self-employed professionals
• Freelancers
• Company directors
• Retirees purchasing property abroad

Why Choose EV+ Hipotecas?

• Regulated Spanish mortgage broker
• English-speaking specialists
• Compare 15+ Spanish banks
• No upfront fees
• Entire process handled remotely
• Personalized mortgage advice
• Fast mortgage approvals
• Support from application to completion

Frequently Asked Questions

1. Can I get a mortgage in Spain if I don’t live there?
   Yes. Spanish banks offer mortgage products specifically for non-residents. Financing is typically available for up to 60–70% of the property’s value, depending on your financial profile.
2. How much can I borrow?
   Most non-resident buyers can finance between 60% and 70% of the property’s value, with the remaining amount covered by the buyer along with taxes and purchase costs.
3. Can everything be done remotely?
   Yes. Nearly the entire mortgage process is completed online. Many buyers only travel to Spain for the final signing, while others complete the process through a Power of Attorney.
4. Do you work with freelancers and self-employed buyers?
   Yes. We regularly assist salaried employees, freelancers, self-employed professionals, and company directors from many different countries.
5. How long does the process take?
   Most mortgage applications are completed within 4–6 weeks after receiving all required documentation.
6. How much does your service cost?
   There are no upfront fees. Our commission is paid by the bank when your mortgage is successfully completed.