Mortgage for Residents
Full-service guidance for buyers established in Spain, from pre-approval to completion, with access to preferential resident lending terms.
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Palma de Mallorca — Spain · Est. by Silvia Soldevilla Berdie
Your Expert in
Property Financing
Helping residents and international buyers obtain the best mortgage solutions in Spain — with independent advice, discreet service, and access to the country's leading lenders.
Get your Mortgage Assessment
Independent advisory · No obligation · Confidential
Up to 100%
Financing available
15+ Lenders
Banking partners nationwide
Urban & Rural
All property types covered
Resident & Non
Tailored to your status
“My role is to make financing feel as clear as the property itself.”
Silvia Soldevilla BerdieAbout Global Finance Broker
A dedicated advisor, not a call centre.
Before founding Global Finance Broker, Silvia spent six years working inside traditional banking — first on the branch floor advising everyday clients, then in business banking structuring finance for companies. That's not a line on a CV; it's the reason she can read a mortgage file the way a bank's own risk committee does, months before it ever reaches one.
Six years across universal branch banking and business banking taught her what most brokers only guess at: how a bank actually thinks, what makes a file sail through approval, and what quietly kills it. She left the inside of the system to work entirely from your side of the table instead. Every case — residential or rural, resident or overseas buyer — is handled personally, from the first conversation to the day the keys change hands.
6
Years of Banking Experience
Universal Branch Banking & Business Banking
Independence
No allegiance to any single bank — every recommendation is made in your interest alone.
Transparency
Clear terms, honest timelines, and no hidden conditions at any stage of the process.
Discretion
Your financial information is handled with the confidentiality of a private banking relationship.
Precision
Every file is prepared meticulously, minimising delays and maximising approval rates.
Silvia Soldevilla Berdie
Property Financing Specialist
Services
Financing solutions built around who you are.
Every buyer's situation is different. Our services are structured around residency status, property type, and financial complexity — never a one-size-fits-all product.
Mortgage for Non Residents
Specialist support for international buyers, translating Spanish banking requirements into a clear, manageable process from wherever you are based.
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Refinancing
A structured review of your existing mortgage to secure better terms, release equity, or consolidate financing as your circumstances evolve.
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Property Finance Consultancy
Strategic advice for urban and rural acquisitions alike — structuring, timing, and lender selection for more complex property investments.
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Why Choose Us
The advantage of working with a specialist.
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Personal service
One point of contact throughout, who knows your file, your goals, and your timeline in detail.
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Independent advice
Recommendations based entirely on what serves you, free from any single bank's targets or products.
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Fast approval
Files prepared to institutional standard from day one, shortening the path to a firm approval.
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Access to multiple lenders
Direct relationships with Spain's leading banks, so your case is matched to the right fit — not the only offer.
Process
A clear path, from first call to completion.
Property financing can feel opaque. Our process is designed to remove that uncertainty at every stage.
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Initial Consultation
A confidential conversation to understand your goals, property, and residency status.
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Financial Assessment
A full review of your financial position to determine realistic borrowing capacity.
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Bank Selection
Your case is presented to the lenders best positioned to offer favourable terms.
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Mortgage Approval
Negotiation and formal approval, with every condition explained before you sign.
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Completion
Coordination through to notary signing, so the final step is entirely without surprises.
Mortgage Calculator
Estimate your monthly payment.
An indicative figure to guide your planning — your final terms will depend on the lender and your personal profile.
€300,000
25 years
3.2%
Estimated monthly payment
€1,459/month
Total repaid
€437,700
Total interest
€137,700
This calculator provides an indicative estimate for guidance purposes only and does not constitute a mortgage offer or financial advice.
Testimonials
What clients say.
As non-residents, we assumed financing would be nearly impossible. Silvia found us a solution within weeks and explained every step in plain terms.
James & Charlotte Hail
Non-resident buyers, United Kingdom
What stood out was the discretion and precision. No pressure, no generic advice — just a clear plan matched to our actual financial situation.
Pablo Ferreira
Resident buyer, Lisbon → Palma
We were financing a rural estate, which most brokers avoided. Silvia treated it with the same rigour as any urban property and secured excellent terms.
Erik van Doren
Rural property investor, Netherlands
Insights
Guides on financing property in Spain.
Practical, no-nonsense articles on Spanish mortgages — written for buyers, not for banks.
Non-Residents
Non-Resident Mortgages in Spain: The Complete Guide
What non-resident buyers actually need to know about deposits, income proof, and loan-to-value limits before making an offer.
Read the article
Financing
How to Get up to 100% Mortgage Financing in Spain
The specific circumstances that make higher loan-to-value financing possible, and how to build a file strong enough to qualify.
Read the article
Rural Property
Buying a Rural Finca in Mallorca: How Financing Works
Why rural properties are valued differently by banks, and what to prepare before financing a finca on the island.
Read the articleFAQ
Frequently asked questions.
Yes. Non-resident buyers can access Spanish mortgages, typically up to 70% of the property's value, though terms vary by nationality, income structure, and lender. We identify which banks are best suited to your specific profile.
Certain circumstances — such as bank-owned properties or specific resident profiles — allow financing close to or at 100% of the purchase price. Eligibility depends on the property, your financial profile, and the lender's current policy, which we assess case by case.
Yes. Rural estates, fincas, and non-urban properties often require a different valuation and lending approach than city apartments. We work with lenders experienced in this category specifically.
Timelines vary by lender and case complexity, but a well-prepared file typically receives a formal offer within four to eight weeks of the initial financial assessment.
No. The initial consultation is complimentary and without obligation, allowing us to understand your situation before discussing any engagement.
Contact
Begin with a confidential conversation.
Share a few details and Silvia will respond personally within one business day.
Advisor
Silvia Soldevilla Berdie
Phone
Office
Palma de Mallorca, Spain — by appointment