Mortgage Advisory · Dossier Preparation

Mortgage Application
Structuring

Get your Spanish mortgage application right the first time. We help you structure and organise your application dossier, give you a documentation checklist and a debt-ratio overview, and a clear roadmap — so you walk into your own bank, or your own independent registered mortgage broker, ready. We do not match lenders, advise on products, or submit your mortgage.

Gino Smit By Gino Smit — Cross-border advisor | 20+ years experience  · 

Your structuring package will include

  • 72-point document checklist
  • Bank dossier assembly guide
  • Debt ratio (DTI) analysis
  • Referral to an independent, registered mortgage broker
  • NIE & account setup roadmap
  • New-build milestone guidance
  • Autopromotor disbursement plan
  • Document-completeness & red-flag review

Advisory service — not a mortgage broker. BuyersSpain prepares your application package and provides guidance on structuring your dossier. We do not act as mortgage intermediaries (intermediación financiera), match you to specific lenders, advise which mortgage to take, recommend products for commission, or submit applications on your behalf. The client submits the application to their chosen bank independently or via their own regulated broker.

1 Select Your Service Tier
Standard
2 Employment & Income
Combined income if co-applicants. Rough range is fine.
3 Residency & Nationality
Non-residents typically limited to 70% LTV; residents up to 80%.
Required for Spanish mortgage direct debit.
4 Property & Budget
New-build and autopromotor have different mortgage structures and disbursement stages.
Plus ~10–14% for taxes and fees on top of deposit.
5 Existing Debts
Car finance, personal loans, credit cards. Used for DTI calculation.
6 Additional Context
The more context you provide, the more tailored your structuring guidance will be.
7 Your Details
Please check the highlighted fields and try again.
Secure payment via Stripe
Delivered in 3–5 business days
Advisory only — not a broker
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