Independent, English-speaking lawyers who check your mortgage before you are bound by it: for residents, newcomers and non-resident buyers across the Costa Brava, Catalonia and the rest of Spain.
The bank is selling you its product. The notary confirms you were informed, not that the loan suits you. And if you are not tax-resident in Spain, the rules quietly change: less financing, more paperwork, stricter conditions. Nobody else in the transaction is checking the mortgage for you.
Before you make an offer, we tell you how much a Spanish bank is likely to lend on your profile. Our partner mortgage brokers then compare banks used to international buyers to find you the best terms.
The deposit contract is what binds you. We make sure it protects your deposit if the bank says no or values the property low.
We review the European Standardised Information Sheet (FEIN) and the Standardised Warnings Sheet (FiAE) and explain every cost, rate and clause in writing.
We arrange your foreigner identification number (NIE, Número de Identidad de Extranjero) and help you open the Spanish account the loan needs.
We coordinate the transparency appointment and the signing, agree the figures with the bank and the seller's side, and sit next to you.
Registration in your name, purchase tax, utilities, and the yearly calendar of Spanish property obligations.
Seven steps, and the most important ones happen before you have signed anything.
Your income, residence status and savings against what Spanish banks actually lend.
Resident or non-resident terms, fixed or variable rate, with offers sourced by our partner mortgage brokers.
Arras deadlines aligned with the bank's approval, valuation and the 10-day legal period.
A written plan with dates, documents and an itemised budget. No surprises.
NIE, bank account, income evidence, translations and apostilles, in the order the bank needs them.
FEIN, FiAE and draft deed checked clause by clause before you commit.
Signing, Land Registry, taxes and utilities completed in your name.
Since Law 5/2019 on real estate credit contracts, the bank pays the notary fees for the mortgage deed, its Land Registry entry, the administrative agency (gestoría) and the stamp duty on the mortgage. You pay the bank valuation (tasación) and any copies of the deed you request.
The real cost difference between offers usually sits in the rate, the fees for early repayment and the linked products. That is where we focus.
Banks lend on the lower of the price or the valuation, never on taxes and costs. Plan your own funds for the gap plus 10 to 15% of the price in purchase taxes and fees.
In Catalonia, resale homes pay property transfer tax (ITP, Impuesto sobre Transmisiones Patrimoniales) on a progressive scale: 10% up to €600,000, rising to 13% above €1.5 million. New builds pay VAT plus stamp duty instead.
A non-resident buyer agrees €500,000 for a house near Begur. The bank values it at €460,000 and offers 70% of that figure: €322,000, not €350,000. Without a mortgage clause in the arras, the buyer must find an extra €28,000 within days or lose the deposit. With the clause we drafted, there is time to renegotiate or walk away with the deposit back.
Our office is in Figueres. We meet clients, visit banks and attend notaries across the Alt and Baix Empordà, Girona and the rest of Catalonia.
Clients from Japan, the United Arab Emirates, the United States, the United Kingdom and across Europe finance their purchase with us, with every step reported in writing.
Yes. Nationality is not the issue: tax residence is. Non-residents usually obtain 60 to 70% of the lower of the price or valuation, while Spanish tax residents can reach up to 80%. Each bank applies its own policy.
Before you sign the arras contract. That is the moment the mortgage clause protects your deposit, and it is the cheapest point to fix a problem.
Spanish law requires a transparency meeting with the notary before signing the mortgage. We plan from day one whether you need to travel, how many times, and what can be done through a power of attorney.
No. Spain's golden visa ended in April 2025. If you also want to live here, we handle the residence permit too, for example the Non-Lucrative Visa or the Digital Nomad Visa.
Yes. Most clients combine the mortgage review with our conveyancing service, so one team checks the property, the contract and the loan.
Tell us about the purchase and your situation. We reply within one working day with what we would check and a fixed fee, with no obligation.
Prefer to talk it through? Book a consultation, deductible from our fees if you go ahead.
MigratioLex · Carrer Joan Reglà, 5, 3-B · 17600 Figueres (Girona). This page is general information and does not constitute legal or financial advice. Financing percentages are typical market ranges; each bank applies its own risk policy.
Expert firm in Immigration and Spanish Nationality, offering fast and effective solutions for residency, visas, and citizenship.
This action is promoted and subsidized by the Department of Business and Labor and co-financed by the European Union through the European Social Fund Plus.
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