Being a non-resident should not complicate your mortgage.
We connect you with the best financing on the market to buy your property in Spain. Expert advice, a digital process and support in your language.
Start in 30 seconds
No obligation. Your data is not shared with third parties.
Two product lines
Everything we do fits two paths. Pick yours and we will tell you if it is viable, free of charge, within 24-48 hours.
To buy
Purchase financing for non-residents and residents: second home, investment or relocation.
*Indicative maximum for non-residents (up to 80% for tax residents in Spain). Subject to lender criteria and individual assessment.
For your property
Use the value of a property you already own to raise liquidity without selling it.
Why Primeteka
We benchmark the most competitive offers across the main retail banks to find the best option for your profile.
Authorised broker under the LCCI regulation and supervised by the Bank of Spain.
We assist in English, French, Italian, Spanish and Portuguese. Your mortgage, in your language.
Apply for, sign and manage your entire mortgage without travelling.
Tool
Non-residents can finance up to 70% of the property value. The simulation estimates your maximum mortgage, down payment, savings required and monthly payment based on your details. See full requirements and terms on our non-resident mortgage in Spain page.
Indicative simulation, not binding · We will call you within 24 hours
About Primeteka
We are an independent mortgage broker based in Estepona, with over 13 years of experience in banking and property finance. We work in five languages and defend one interest only: yours.
“We bought our villa in Marbella from the Netherlands without a single trip. Primeteka handled everything in English, with banks we had never even heard of. Indispensable.”
Frequently asked questions
If your question is not here, write to us. We reply within 24 business hours.
The initial assessment is free and without obligation. We only charge a success fee, agreed in writing from day one, and only if your mortgage is actually signed. If you don’t sign, you pay nothing.
In our case the client does, through the success fee agreed in writing. That distinction matters: because we are not paid by the bank, we have no incentive to steer you towards any particular lender. We work for you, not for them.
It is worth it when your case is not standard: you are a non-resident, your income comes from outside Spain, you are self-employed, or your profile takes a bank a long time to assess. In those cases we benchmark offers across the main retail banks and present your file the way each lender expects to receive it. If your case is simple and your own bank already offers good terms, we will tell you so.
A credit intermediary who negotiates your mortgage with several lenders on your behalf. We assess your profile, benchmark offers across the main retail banks, prepare the file and stay with you through to signing at the notary. You always decide; we provide the access and the judgement.
Yes. We operate as a credit intermediary under Spain’s LCCI framework (Law 5/2019 on Real Estate Credit Agreements) and under Bank of Spain supervision. Every fee is agreed in writing before we start: no small print, no surprise charges.
Check three things: that they are registered as a credit intermediary, that they put in writing how much they charge and when, and that they work with several lenders rather than just one. If you are buying as a non-resident, also look for someone who handles that profile daily and speaks your language.
Non-residents are our speciality — they make up the bulk of the cases we handle on the Costa del Sol. We work in English, French, Italian, Spanish and Portuguese, and the whole process can be completed remotely.
Six to eight weeks on average from pre-approval to signing at the notary. With your documentation ready and a standard case it can be quicker. We give you an indicative answer on viability within 24-48 hours.
Are you a real estate agent, lawyer or advisor?
A commission for every client you refer to us. You look after the relationship; we secure their financing. No targets, no lock-ins.
No obligation. We reply within 24 business hours.
Free pre-assessment
Leave us your details and an adviser will review your case and get back to you with a tailored proposal, no strings attached.
Prefer to talk now? Call us at +34 677 51 91 76.
