With two decades of mortgage advice, we help buyers finance their dream home in Spain.
At USpania, we know that securing the right mortgage is a crucial step in making your dream of owning property in Spain a reality. That is why we have partnered with Mortgage Direct, a leading mortgage broker specializing in financing solutions for international buyers. With a deep understanding of the unique needs of non-residents, Mortgage Direct offers high approval rates, competitive interest rates, and a smooth, hassle-free mortgage process. Whether you are looking for a holiday home, an investment property, or a permanent residence, their expertise ensures you get the best mortgage terms available.
Let Mortgage Direct simplify the process and bring you one step closer to owning a home in the interior of Murcia, Costa de Almeria, Costa del Sol , Costa Calida, or Costa Blanca.
What is Mortgage Direct?
Mortgage Direct is Spain’s premier independent mortgage broker, operating since 2006. With nearly two decades of experience, They have helped thousands of international buyers — especially from the U.S. — secure financing for Spanish property. Their team of qualified advisers specializes in both resident and non-resident mortgages, with a proven 98% pre-approval rate.
Now, with Mortgage Direct, everything is easier
What they offer
Types of mortgages available
- Mortgages for non-residents and residents
- Financing for main residences, holiday homes, investments, and even self-build projects
- Remortgages and ownership transfers (residents only)
Financing options
- Up to 70% financing for non-residents
- Up to 80% financing for residents
- Payment terms up to 30 years
- Fixed and variable interest rates
- Options available in euros and U.S. dollars
How the process works
Step-by-step guidance
- Initial consultation and feasibility study
- Documentation collection
- Pre-approval from lenders
- Property search support (optional)
- Final mortgage offer and signing
What you will need
- ID or passport
- Proof of income or tax returns
- Bank statements
- Property reservation or purchase agreement
- Any relevant financial documentation
Approval timeframe
Typically within 10 business days after submitting complete documentation.
Why choose Mortgage Direct?
Specialized in U.S. and international clients
English-speaking advisers familiar with U.S. financial norms
Transparency and traceability throughout the process
Hands-on support across time zones — Martine and her team regularly adjust to U.S. schedules
Trusted by top Spanish and European lenders
Personalized solutions, including High Net Worth (HNW) services
Mortgage Direct vs. Traditional Spanish Banks
| Feature | Mortgage Direct | Traditional Banks (e.g., La Caixa) |
|---|---|---|
| Personal Attention | Direct communication with Martine throughout the process. | Communicate via call centers or branch staff, no personal contact. |
| Availability | Martine adjusts to your time zone and is available when you need her. | Limited to branch hours. |
| Speed | ~90% pre-approval rate with a faster, streamlined process. | Slower processing with more bureaucracy. |
| Transparency | Clear communication, no hidden products or fees. | Often includes extra insurances or tied products. |
| Language | Full support in English (and 7+ other languages). | Limited or no English support outside major cities. |
| Remote Management | Entire process can be managed remotely. | Often requires in-person visits. |
“Working with Martine feels like having a mortgage adviser in your corner — not a system you have to fight.”
Personalized service you can count on
Unlike traditional banks, Mortgage Direct offers truly personalized service. Martine will be your dedicated point of contact from start to finish — no waiting in line at a branch, no back-and-forth with random staff.
You will have:
· Direct access to her email and phone
· Timely replies — even outside typical business hours
· Guidance tailored to U.S. clients, including time zone flexibility
About Martine Newman
Senior Mortgage Adviser
Martine has worked in financial services for over twenty five years for finance houses such as Lloyds, Merrill Lynch and Deutsche bank. She has also lived in Canada previously for five years before moving to Spain in 2017.
Licenced by the BANK OF SPAIN
Inscribed in the Bank of Spain Register of Real Estate Credit Intermediaries – Number D108
📩 Get started today
Begin your mortgage journey with Mortgage Direct through USpania.
Click the link below to connect directly with Martine and her team:
🔗Download Sample Agreement with Mortgage Broker
🔗Start My Mortgage Application
Contact Martine Directly
Office
C/Velazquez 24, 2ºD, 28001, Madrid, Spain
Monday to Friday: 9am – 6pm
info@mortgagedirectsl.com
Calculate your mortgage
💬 What clients are saying
“Mortgage Direct made the entire process so easy. I was worried about financing from abroad, but they handled everything like pros.”
— John D., California
