The short version
When I bought my flat in Valencia I went to a broker, because walking into a Spanish bank as a foreigner with foreign income was going nowhere. His name is David. He handled everything from the first document to the notary, all on time, nothing I had to chase, and the conditions he negotiated were much better than what the bank had offered me directly.
Since then a few readers have asked me who I used. This page is the answer, with the facts you would want before asking for an introduction. If you would rather skip the reading, the form is at the bottom.
Who they are and what they do
The firm is TL Global Mortgage, the international arm of Tramita Levante, a Valencia brokerage that has been doing mortgages for over twenty years. They are registered with the Bank of Spain as a mortgage intermediary (register number D060), and the team that handles foreign clients works in English. On Google, Tramita Levante holds a 5.0 rating from 494 reviews (November 2026).
- Non-resident mortgages. A holiday home, a second home, an investment flat, or the home you will move into later. Spanish banks typically finance 60 to 70% of the value for non-residents, depending on your profile and the lender.
- Resident mortgages. First and second homes, and finance for renovation or building.
- Existing mortgages. If yours was signed when rates were higher, they look at whether moving it or renegotiating it is worth doing.
- Before you commit to a property. An assessment of your income, commitments, savings and borrowing capacity, so you know your ceiling before you make an offer. Do this first; it changes which flats you look at.
- The whole application. Documents, comparing lenders, negotiating the rate and conditions, the valuation, the mandatory transparency step and the signing at the notary.
- From abroad. Most of the process is remote, which is how non-resident buyers do it.
What it costs
Asking costs nothing. The initial assessment costs nothing. They charge a fee only if a mortgage signs, and they tell you the exact figure before you commit to anything. You are under no obligation to them or to me. How I get paid is at the bottom of the page.
How the introduction works
- Fill in the form below. Your name and email, and anything you want them to know. Nothing else is required.
- I email you and their team on one thread, by hand, within 24 hours.
- They come back with an initial assessment: what you could borrow, from which kind of bank, and what they would need from you.
- You decide. Nothing is signed, and nothing is owed, until you choose to go ahead.
Ask for an introduction
Free, no obligation. Milan makes the introduction by email, by hand, within 24 hours.
Questions people ask
Can a non-resident get a mortgage in Spain?
Yes. Spanish banks lend to non-residents, usually 60 to 70% of the property's value, so you need the rest plus the purchase costs as your own money. You also need a NIE and a Spanish bank account before you sign. The broker's job is to find the banks that lend to your profile and to negotiate the terms.
How much can I borrow?
For non-residents, typically 60 to 70% of the value; residents can usually go higher. On top of that, banks want the monthly repayment to stay under about a third of your net income after your other commitments. The initial assessment tells you your ceiling before you make an offer on anything, which is the right order to do it in.
Can I do this from abroad?
Mostly, yes. Documents, the assessment, the bank applications and the valuation are handled remotely. For the signing itself many buyers give a power of attorney rather than fly in; the broker will tell you what your bank requires.
Do I need a NIE first?
You need one before the mortgage can sign. If you do not have one yet, start it now; it is the slowest step. Our NIE guide explains how.
What does it cost me to ask?
Nothing. The introduction is free, the initial assessment is free, and you are under no obligation to them or to me. They charge a fee only if a mortgage signs, and they tell you the exact figure before you commit to anything.
I already have a mortgage. Is this for me?
Yes, if yours was signed when rates were higher. They look at whether moving it or renegotiating it is worth doing, and tell you if it is not.
A note on how this works
If an introduction ends in a signed mortgage, TL Global Mortgage pays me a referral fee out of their own fee. You pay exactly what you would have paid if you had found them yourself, and if no mortgage signs, nobody pays anything.
I only put my name to this because they did my own mortgage and I would send a friend to them. The referral fees help keep the daily newsletter going and free to read, so if you do go ahead through this page, thank you.
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