A mortgage in Spain involves several parties, each with their own role. The bank assesses. The advisor provides the mortgage advice. The valuer helps determine how much the bank will lend. The notary registers. No one keeps the application complete and moving.
That's where it goes wrong. Not with the mortgage itself, but with the application every party depends on. Casa Connecta keeps that application complete and moving, only for you, until the mortgage offer is on the table.
We don't sell mortgages. We structure your mortgage application and oversee the process alongside the ACI-certified advisor, until the offer is on the table.
Mortgage advice and product selection are provided by registered Spanish ACI-certified advisors under Spanish law (Ley 5/2019). Casa Connecta coordinates the process exclusively on the buyer's side. We do not provide regulated financial advice.
As a non-resident, you can usually finance 60 to 70%. You submit extensive documentation, in a specific format. The bank assesses cautiously and rarely explains why something was declined or delayed.
Most buyers start underprepared. The application is incomplete or poorly prepared. The bank returns it without assessing it, and the assessment starts again. By then the purchase timeline is already under pressure.
That's where delays usually happen. Not with the bank, but in the application before it reaches the bank.
Most buyers only find out whether their mortgage is feasible after they've committed to a property. By then it's too late to change course.
Casa Connecta is not a mortgage advisor. We don't recommend products or negotiate rates. The ACI-certified advisor does that. We make sure they can do their job properly.
We make sure your application is complete and ready for the bank, prepared to meet Spanish bank requirements, with every party aligned.
Most cases take 3 to 6 months, from first message to a final offer from the bank. We stay involved to the end.
We begin with a short written intake: your plans, your timeline, your financial situation. No obligation. Just clarity on where you stand.
We give you an honest first indication of what's realistic for a Spanish mortgage as a non-resident. No false promises.
We structure your documentation to Spanish bank requirements and coordinate with our ACI-certified advisors. They handle the formal advice and the bank contact.
We track the process, keep communication clear, and make sure you know where you stand at every stage. No surprises. No radio silence.
Once the bank approves, the formal offer (FEIN/FIAE) follows, with a mandatory 10-day cooling-off period before signing. We track that timeline through to the notary deed. If the application turns out not to be feasible, we explain why and which next steps are realistic.
Sound familiar? Then you're in the right place.
We bought our own place here in 2025 and financed it with a Spanish mortgage. We had to submit documents again and again before the application was complete. That's the work we now take off your hands.
We work only for you. No commissions from banks. No fees from advisors. No referral fees from agents. Our income comes from you. That's why our loyalty is to you.
Formal mortgage advice stays where it belongs: with qualified Spanish advisors, under Ley 5/2019. We coordinate everything around it, independently, only on your side.
No jargon. No vague updates. We tell you what's feasible and what isn't, in your language, at every stage. Even when the answer is uncomfortable. Especially then.
No form, no obligation, no sales call. You send one message. You read and decide in your own time. We reply by email within 24 hours, in your language.
Reply within 24 hours · In your language
Mortgage advice and product selection are provided by registered Spanish ACI-certified advisors under Spanish law (Ley 5/2019). Casa Connecta coordinates the process exclusively on the buyer's side.
