Mortgage Direct

June 2, 2023 |
Mortgage Direct

Mortgage Brokers in Spain & Portugal

Mortgage Direct was established in 2006 and has since grown to become Spain’s leading independent mortgage broker. They offer expert advice on Spanish mortgages to clients from all nationalities, negotiating preferential terms and bespoke mortgage solutions with all the main lenders. Their service is friendly, transparent and professional. Over the last 16 years, they have created incredible relationships with lenders, agents, lawyers and other professionals in the industry, which has helped them develop a deep understanding of the market in which they operate.

They offer exclusive mortgage conditions – to Mortgage Direct’s clients only, quotes within 24-48 hours, money back guarantee and competitive fees, no obligation and fully independent advice and professionally qualified advisers (UK FSA registered).

Mortgage Direct cover “standard” applications as well as providing mortgage brokerage services in specialist areas.

Holiday home mortgages are available for private non-resident property buyers, who are not Spanish residents. The maximum borrowing amount is up to 70% of the property purchase price (or valuation if lower).

Construction mortgages are for property buyers who wish to build a new house from the ground up or to renovate an existing property. The maximum borrowing amount is generally 50% of the plot cost plus 70% of the cost of the works.

Primary residence mortgages are for those who will live in their property in Spain as their main residence and pay their income tax here. It’s possible to secure mortgages up to 80% of the property purchase price (when you are a Spanish taxpayer) with rates from Euribor + 0.99% or fixed rates from 1.95%.

Mortgage Direct can help you arrange Bridging Finance throughout Spain for amounts in excess of €500,000 for loan terms of up to 36 months and up to 65% LTV. Interest rates are available from 0.70% pcm and different se


What we like about them

  Katherine & Kevin founded Mortgage Direct SLU after having experienced the complexity of the Spanish mortgage themselves
  98% approval rate & a money-back guarantee if the terms offered cannot be achieved
  Diverse international team of professionals and advisers with international qualifications
  Speak a wide range of languages including Spanish, Portuguese, German, Dutch, English, Polish & Danish

In their own words

Mortgage Direct understands the banks’ eligibility criteria and will refer you only to banks suited to your profile. Banks offer us preferential terms to ensure we continue referring our clients to them so you can be confident that you will receive the lowest interest rates and the highest possible levels of borrowing. Another important factor is that the underwriters know that our clients have a negligible rate of default and have been pre-qualified before we refer them, so they feel more confident approving our cases. They give our clients a better, faster service than they would receive by going directly.” Kevin Monger, Founding Partner


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