A regulated mortgage advisory service by Dream Nest Consultants S.L.

Every route to financing a home in Spain, prepared properly.

Purchase, non-resident, renovation, self-build or a mortgage you already have — we prepare the case, choose where it makes sense, negotiate and explain every condition before you sign.

Regulated by the Bank of Spain · ICI E156

Start your mortgage review Understand your options

Go deeper

Understand every angle before you commit.

Mortgage types in Spain

Fixed, variable, mixed — by purpose, profile, property and LTV. See how each one works and where your case fits.

Explore mortgage types →

Property types and bank appetite

Not every property tells the same story to a bank. Fincas, new builds, urban plots — each has a different route.

See property types →

Dream Nest office — where your case is prepared

Why use a mortgage broker?

One bank gives you one answer. A regulated intermediary builds the right route before you ask.

Read why it matters →

Full service

We study your case before the banks do — so you know exactly where you stand.

Before we approach any bank, we build a complete picture — your income structure, your tax position, your currency exposure, your timeline. The dossier you receive is the result of that analysis. Everything else follows from it.

From first conversation to signing and beyond. Our regulated fee only applies when your mortgage completes — the initial analysis and your personalised dossier are always free.

Start your review — free

Free Personal case analysis

A real conversation about your situation before anything else — income, property type, timeline and what is realistically possible.

Free Personalised project dossier (PDF)

A downloadable summary of your mortgage strategy, cost breakdown and next steps — prepared specifically for your case, not a generic template.

Appraisal — commission and supervision

We appoint and supervise the valuation with an approved firm, at the right moment in the process. A badly timed or badly chosen appraisal can cost far more than its fee.

Nota simple — request and interpretation

We obtain and explain the land registry extract — ownership, charges, surface area, any flags that affect your purchase or mortgage.

Power of attorney (POA) guidance

If you cannot be present in Spain for every step, we guide you through what a POA covers, what it does not, and who should hold it.

Personal translation at signing

Someone who understands the mortgage and the Spanish — present at the notary, when it matters most and the documents are real.

Arras contract review

We review the deposit contract before you sign — flagging conditions, cancellation clauses, timelines and anything that binds you before the mortgage is in place.

Trusted professional introductions

Lawyers, tax advisors, currency specialists and estate agents from our network — the right introduction at the right moment in your purchase.

Mediterranean terrace — the lifestyle behind the decision

What are you buying for?

The purpose changes how a bank reads everything else.

Our services

What working with Dream Nest actually looks like.

Also available independently

Not every situation calls for the full service. These are available as standalone engagements.

Mortgage consultation

We review your case, explain what a bank will see, and advise on strategy — without submitting your file to any bank. Right for buyers who want clarity and a second opinion before committing to the full process.

Enquire

Nota simple — request & interpretation

From €20 per registered property

We request the nota simple and explain exactly what it says — who owns what, any charges or liens, surface area, legal status. The document every buyer needs before making an offer.

Order a nota simple

Appraisal — order & supervision

We commission a valuation with an approved appraisal firm and supervise the process from instruction to delivery. If you need a property valued before the bank is involved, this is the right step.

Commission an appraisal

Extended services & trusted partners

Once your mortgage is in place — or alongside it — we can connect you with the right people for everything else your purchase involves.

Currency exchange Currencies Direct — specialists in moving GBP, USD, CHF and other currencies to Spain without losing on the transfer.

Insurance Home, life, health, landlord and rental cover — required by banks, and worth doing properly rather than just ticking a box.

Property network Part of our trusted property network. Ask us for the right introduction at the right moment in your search.

Legal & tax specialists Lawyers for conveyancing and due diligence, tax advisors for non-resident obligations — the people we call when our clients need them.

Private banking, investment & savings For clients whose needs go beyond a standard mortgage — we connect you with the right private banking or wealth management contact.

Mortgage renegotiation Rates and conditions change. If your mortgage is no longer the right fit, we review whether novation or subrogation makes sense.

Ask us about our network — start the conversation here.

What to expect, by week

A realistic route has a realistic rhythm.

Indicative timeframes based on the general mortgage market in Spain — every case, bank and property is different.

Week 1–2

Case review

Documents gathered, profile prepared, risks identified early.

Week 2–4

Bank offers

Case presented to the right banks, offers compared beyond the rate.

Week 4–6

FEIN & conditions

Binding offer issued, transparency period, conditions explained.

Week 6–10

Completion

Notary signing coordinated, then After the keys begins.

Banks we present cases to

CaixaBank · HolaBank Banco Sabadell Abanca Bankinter UCI Banca March Unicaja

A selection — not an exhaustive list. The right bank for your case depends on your profile, not which names appear here.

Currency specialists

Currencies Direct

Trusted network

Medland Eurosafa

Professionals we coordinate with

Real estate agents Property lawyers Tax advisors Currency exchange specialists Insurance brokers Valuers & appraisers Relocation services Architects & builders Property management Crypto transaction advisors

If you need a trusted professional for any stage of your purchase, we can introduce you to the right person.

A selection of our network — not an exhaustive list. For private banking, investment or savings requirements, we can also introduce you to the right specialist.

Regulated by the Bank of Spain · ICI E156

Dream Nest Consultants S.L. · CIF B19728146 · C/ Federico García Lorca, 9, 12530 Burriana, Castellón, España. See our legal notice, privacy policy and whistleblowing channel.

Before you call

See what your numbers could look like.

Adjust property price, term, rate, region and currency in our mortgage calculator — a realistic starting point before the full review, not a sales pitch.

Estimate your costs

Ready when you are

Start with the review, not the reservation.

The first conversation costs nothing and tells you whether the route is realistic — before you commit to anything.

Start your mortgage review