Realdream Finance
Realdream Finance helps non-residents buy a home in Spain, with the mortgage, the checks and the paperwork handled by one specialist team.
The problem
Every bank assesses income, tax residency and loan-to-value differently, and usually explains it in technical Spanish. Without a clear pre-assessment, you risk falling for a house you cannot finance.
NIE, bank account, bank documents, Modelo 210: each piece depends on the one before. One missing or out-of-sequence document can stall the whole file.
Debts, existing charges, building irregularities or planning restrictions often surface after signing. On expat forums the typical loss runs above €35,000. That is why we check the property before you sign.
What we do
Our main service
We assess your non-resident profile and tell you whether and how much you can borrow. Then we compare 12 specialist partner banks and negotiate the terms. From €3,900 — you pay only if we get the mortgage.
Find out more →We review the legal, planning, land-registry, debt and structural side before the deposit: you know exactly what you are buying and cut the risk of surprises after completion. 1% of the value (minimum €2,500), discounted when combined with the mortgage.
Find out more →We coordinate the NIE, the bank account, sworn translations, the gestoría and the first year’s Modelo 210 — before and after the purchase, from a single team. So you are not chasing five different offices.
Find out more →How it works
Not just the mortgage. We follow you from the first search to the keys: NIE, bank account, legal due diligence and paperwork. You think about the house, we handle the rest.
Free pre-assessment · English-speaking advisor · You pay only if we get the mortgage
Two minutes online, free and with no commitment: answer a few questions and see your estimate straight away.
A few minutes, whenever suits you. We study your real profile — not a questionnaire — and select the specialist banks that fit you best.
You find it in your account; if it is positive your advisor calls you: whether and how much you can borrow, and with which banks. Then we negotiate the terms with the bank in Spanish, so you do not have to.
Due diligence on the property before signing, then we coordinate the notary, the gestoría and the translator. You sign and get the keys, with no surprises.
From the online pre-assessment to the keys: typically 8-12 weeks as a guide, NIE and paperwork included.
Partner banks
A network of 12 partner banks specialising in non-resident mortgages in Spain. For every client we compare offers in parallel to get the best rate and terms for their profile.
Why us
You know whether and how much you can buy, based on our experience as brokers, before falling for a house and before signing anything. No commitment.
With you we speak English. With banks, notaries and public offices we deal in Spanish: at the moments that matter you are not translating, interpreting or risking a misunderstanding.
Our mortgage fee is public and starts at €3,900. You pay only if we get the mortgage — no hidden costs at completion.
You pay us too, not only the bank — and that is exactly what keeps us independent: no bank "buys" us, so we aim at your best rate, not at whoever pays the broker most.
Mortgage, due diligence, NIE, bank account and post-purchase all coordinated: one contract, one invoice, one advisor. No chasing five different professionals.
Transparent
Non-resident mortgage
1% of the amount borrowed
minimum €3,900
The other services are priced separately: due diligence 1% of the value (min €2,500, discounted with the mortgage), plus NIE, bank account and tax matters on request.
Compliance & safeguards
Credit brokerage in Spain is a regulated sector. Realdream Finance operates under Ley 5/2019 with all the structural safeguards.
Registered with the Banco de España as Intermediario Crédito Inmobiliario (Ley 5/2019), no. E773. Service operating under that registration.
Active, as required by the Banco de España. Cover of €460k per claim / €750k annual aggregate, the standard for regulated finance.
Client identification (passport + NIE), source-of-funds checks, SEPBLAC reporting where applicable. DPAs signed with every tool provider.
Every fee is listed on this site. No "additional costs" at completion. Transparent, success-based pricing.
FIPRE (Ficha de Información Precontractual) + FEIN (Ficha Europea de Información Normalizada) provided for every mortgage, as required by Ley 5/2019.
Offices in Blanes (Girona) · Carrer Miramar 5, 1ª planta · Coverage across Spain · 100% online service
FAQ
Yes, but there are few specialist banks and the criteria are strict. Typically: LTV up to 60-70%, certifiable net income, tax residency in a country with a double-taxation agreement. We pre-assess your profile free of charge.
It depends on your profile. On average 60-70% of the valuation for EU/UK non-residents. 50-60% for non-EU. The personalised figure comes with the free pre-assessment.
For the feasibility study: proof of income (recent payslips, employment contract and tax return if you are employed; tax and VAT returns if you are self-employed), bank statements for the last 6-12 months, and paperwork on any existing mortgages or loans. NIE and passport come at the next step, for the bank application. You will find the tailored checklist in your account.
On average 6-10 weeks for the mortgage itself if you already have a NIE and a bank account: 2-3 weeks between pre-assessment, documentation and the bank valuation, then 2-3 weeks to completion. Starting from scratch, including NIE and paperwork, allow 8-12 weeks.
You pay nothing. The mortgage broker fee is success-based: it is only due if the bank approves. Any out-of-pocket costs (for example the valuation required by the bank) are yours, and we tell you about them beforehand, with no surprises.
Answer a few guided questions: 90 seconds. We get back to you within 24 working hours.
Urgent cases (deposit signed, completion imminent): top priority, same working day.
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Assistente Realdream
Mutuo, casa e burocrazia in Spagna
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