Buying a property in Spain is a dream for many people, but the financial process is often very different from what buyers are used to in Belgium or the Netherlands. Different rules, different banks, different requirements and a process that can often feel unclear for non-residents.
That is why Costas Finance was established.
Registered mortgage credit intermediary with the Banco de España – No. E712.
From the initial mortgage simulation and financial assessment to communication with the banks and guidance right through to the notary: I stand by your side throughout the entire process.
For many clients, this means:
- greater clarity
- less stress
- better preparation
- and often better terms
I guide prospective buyers through the process of obtaining a Spanish mortgage, with a strong focus on clarity, personal guidance and solutions tailored to your individual situation.
Discover your options first
Many buyers start looking for a property straight away, without knowing exactly what they can afford financially.
Yet it is not just about how much you can borrow, but above all how much you can afford to spend and which properties are genuinely within your reach.
That is why we always start with a personal consultation.
This gives you a clear picture of your budget, the options available through Spanish banks and your expected monthly repayments.
Only then do we start looking for the right property — with greater confidence, fewer surprises and a much stronger starting point.
Discover your options first
Many buyers start looking for a property straight away, without knowing exactly what they can afford financially.
Yet it is not just about how much you can borrow, but above all how much you can afford to spend and which properties are genuinely within your reach.
That is why we always start with a personal consultation.
This gives you a clear picture of your budget, the options available through Spanish banks and your expected monthly repayments.
Only then do we start looking for the right property — with greater confidence, fewer surprises and a much stronger starting point.
Why working with multiple banks matters
Not every Spanish bank applies the same terms, interest rates or approval criteria.
By working with several banks, we can compare your application across different institutions and look for the solution that best suits your profile and plans in Spain.
This often results in:
- better terms
- a higher chance of approval
- more competitive interest rates
- greater flexibility
- a solution tailored to your situation
This means you are not dependent on a single bank, but have access to a wider range of financing options within the Spanish market.
We look for the solution that best matches your profile, plans and budget.
Our focus is not just on how much you can borrow, but above all on finding a solution that is financially responsible and affordable in the long term.
Why Costas Finance
Registered mortgage credit intermediary with the Banco de España – No. E712.
Independent advice
Personal
guidance
Expertise for
non-residents
Working with
multiple banks
No Fees for an Initial Assessment or Simulation
At CostasFinance, you pay no fees for an initial mortgage assessment, financial simulation or preliminary screening with banks. This gives you an initial insight into your financing options and the feasibility of your property purchase in Spain.
Comprehensive Tailored Mortgage Assessment: €200
In certain cases, a more in-depth assessment is required, for example when purchasing a new-build property that will not be completed for another 18 to 24 months. In such cases, we assess your financial situation, your expected financing options at the time of completion and the various scenarios relevant to your purchase.
We charge a fixed fee of €200 for this comprehensive, tailored assessment. You will always be informed of this fee in advance.
Important: if you decide not to proceed with CostasFinance after the assessment, the €200 fee is non-refundable. If you decide to work with us and your mortgage application is ultimately approved and you receive the FEIN, this amount will be deducted in full from the final invoice for our services.
This ensures that you know exactly where you stand from the outset and can take the next step towards purchasing your property with confidence.
What Is the FEIN?
The FEIN (Ficha Europea de Información Normalizada) is the official, personalised document setting out all the terms and conditions of the mortgage offer. These include:
- Interest rate
- Loan term
- Monthly repayments
- Fees and conditions
- Any obligations linked to the loan
The FEIN is legally binding and effectively constitutes the bank's final mortgage offer. This document also has a limited validity period.
Before the mortgage deed can be signed, an appointment with a notary is required (Acta Previa). During this appointment, the notary checks that all the terms in the deed correspond exactly to the FEIN you received beforehand. This helps protect you as the buyer and ensures that you understand exactly what you are signing.
At CostasFinance, we guide you throughout the entire process and ensure that all terms and conditions are explained clearly, transparently and accurately in advance.
Your plans in Spain start with the right financial foundation.
Ready to start your property search?
Contact our partner: www.costasrealestate.com & www.spaansvastgoed.be
Would you like to sell your property or have you found your dream home?
For NIE numbers, digital certificates, SIP cards and more, our team is always available to assist you with pre- and post-purchase services at www.costasservices.com.