Before you commit to anything

Your free mortgage viability check for buying in Spain.

Before you reserve a property or sign anything, find out whether the mortgage route actually makes sense for your profile — foreign income, self-employed, company director, whatever your situation is. No cost, no obligation, and no pressure to continue afterwards.

Why a viability check first, not a mortgage application.

Spanish banks do not always reject international or complex profiles — they reject profiles they do not understand. A viability check is the step before any of that: we look at your real situation, explain honestly whether a mortgage route is realistic, and put it in writing. If it makes sense, you decide whether to move forward. If it does not, you find out now, not three months into a reservation.

What's included — at no cost

Seven things you get before you pay anything.

Intake formTell us your situation in a few minutes — where your income comes from, what you're looking to buy, and where.

A free video call with a real humanNot a bot, not a form left on its own. We prefer video, not just a voice on the phone — we like to see our clients, and for them to see us. Distance should not stand in the way of feeling close.

A first diagnosisAn honest read on whether the mortgage route is realistic for your profile, before you commit to anything.

Interpretation of your profileWe translate your situation — foreign income, self-employed, company director, dividends — into what a Spanish bank actually needs to see.

A mortgage simulationReal numbers based on your profile and the region you're buying in, not generic averages.

A personalised PDF dossierYour plan, in writing, yours to keep — not a sales script.

Guidance on how the process worksTimelines, what to expect at each step, and what to prepare — in plain language.

Our regulated fee applies only if you decide to move forward with your mortgage. Important: a feasibility assessment is not a binding approval. The only binding mortgage offer in Spain is the FEIN (Ficha Europea de Información Normalizada), issued by the bank.

Get your free first call & dossier ↗

Common questions about the free viability check.

Is the mortgage viability check really free?

Yes. The intake form, the video call, the first diagnosis, the mortgage simulation and the PDF dossier are all free, with no obligation. Our regulated fee only applies once you decide to move forward and engage us to prepare and present your case to banks.

Does a positive viability check guarantee my mortgage will be approved?

No — and we will never tell you otherwise. A viability check is our honest read of your case, not a bank decision. The only binding mortgage offer in Spain is the FEIN, issued directly by the bank after a full assessment. What we can tell you is whether your case is realistic and how to present it well.

How long does the free viability check take?

The intake form takes a few minutes. The video call is usually around an hour. From there, your dossier and simulation typically follow within a few days, depending on how complete your information is.

What happens after the free steps, if I want to continue?

If you decide to move forward, we prepare and present your case to the banks that make sense for your profile, compare offers, and accompany you through to the notary. That is when our regulated fee applies — explained clearly before you commit, as required by the LCCI.

Ready when you are

Find out if your mortgage in Spain is realistic.

Answer a few questions about your project. Your first call and your PDF dossier are free, with no commitment — nothing else is charged at this stage.

Get your free first call & dossier ↗ Opens our secure intake form in a new tab, outside this website.