How to Get a Mortgage in Spain as a Foreigner | Step-by-Step Guide | WL Costa Properties

Thinking of buying in Spain but unsure about mortgages? Start here.

In this episode, Warner speaks with Peter Van Dijk from Mortgage Direct to demystify the mortgage process for non-residents. Whether you're relocating, investing, or looking for a holiday home, this conversation breaks down everything you need to know to finance your dream in Spain.

🏠 What we cover:
How foreigners can qualify for a mortgage in Spain
Typical mortgage amounts, costs & documentation
Common mistakes and how to avoid delays
The benefits of working with a broker like Mortgage Direct
Realistic expectations for different buyer types

If you're feeling overwhelmed by Spanish bureaucracy or unsure what’s possible as a foreigner, this episode will give you the clarity you need.

👇 Useful Links
📍 Buyer’s Guide: https://wlcostaproperties.net/buyers-...
🎙️ Podcast: https://wlcostaproperties.net/podcast/
📸 Instagram:   / wlcostaproperties  
📩 Email: [email protected]
📞 Call / WhatsApp: +34 602 42 89 28
📍 Visit Us: Avenida Bonanza local 21, Arroyo de la Miel, Benalmádena, Málaga
🕒 Open: 10am–2pm (walk-ins), After 2pm by appointment

0:00 Getting a mortgage in Spain as a foreigner
0:13 Intro with Peter from Mortgage Direct
0:31 Meet Peter Van Dijk
0:45 Peter's background in finance
1:16 Moving to Málaga & family life
1:47 Joining Mortgage Direct in Costa del Sol
3:03 Real estate & mortgage challenges
4:05 Can foreigners get a mortgage in Spain?
4:40 Mortgage options for non-residents
5:02 Helping clients find the right property
5:29 How much can foreigners borrow?
6:10 Costs & fees to consider
7:07 Required documents for a mortgage
9:34 Step-by-step for buyers
11:39 What is pre-approval?
13:58 Finding the right property
14:22 Why legal support is essential
15:18 Different types of mortgages
17:07 Interest rates & tied-in products
19:47 Common mistakes to avoid
21:02 How to overcome obstacles
22:36 Why use a mortgage broker?
24:12 How to start the mortgage process
25:48 Broker fees & service costs
26:16 Working with WL Costa Properties
27:02 Final advice and closing remarks