Alberto Bertazzi
Founder & Director
A Bocconi University graduate with over 22 years in Spanish banking, Alberto leads the bespoke strategy side of FCG and personally oversees client cases.
🏦 Spain
Your Trusted Mortgage
Partner in Spain
With over 22 years of experience in the Spanish mortgage market, we connect you with the right bank and the best rate — saving you time, money, and stress.
22+
Years Experience
94%
Approval Rate
100%
Client Satisfaction
10+
Bank Partners
Featured book by Alberto Bertazzi
The foreign buyer's guide to the Costa del Sol
How to buy your property in Spain safely, without surprise and with the right financing.
Our Managing Partner has just released a practical new guide for foreign buyers. It is designed to help you understand the purchase process, avoid nasty surprises and approach Spanish financing with far more clarity and confidence.
Video Highlights
Latest FCG Shorts
Quick mortgage tips, expat buying insights and Spanish property guidance in under a minute. Slide across and open any short right here on the page.
What We Do
Expert Mortgage Solutions
Tailored to Your Needs
Whether you're buying your dream property on the Costa del Sol or refinancing an existing mortgage, our team handles every step of the process.
Residential Mortgages
Fixed, variable, and mixed-rate mortgages for residential purchases. We negotiate on your behalf to secure the most favourable terms across our banking network.
Mortgage Switching
Already have a Spanish mortgage? We help you transfer it to a better lender — improving your interest rate, reducing your monthly payment, or changing your term.
Self-Build Mortgages
Finance for construction projects and land with progressive drawdown. We work with specialist lenders who understand self-build timelines and requirements.
Spanish Residency
We guide you through practical Spanish residency support linked to your property purchase, including NIE, resident documentation coordination and onward introductions where a separate residence route needs specialist legal handling.
Rejected Applications
Been turned down by a Spanish bank? We specialise in resolving previously rejected mortgage applications by finding the right lender for your specific situation.
Insurance & Personal Loans
Comprehensive life and health insurance products required alongside Spanish mortgages, plus unsecured personal loans for renovation, furnishing, or other needs.
Mortgage Guides
Clear answers before you sign anything
We have built a new set of practical guides for expats and non-residents who want straight answers on deposits, costs, timelines and cross-border mortgage applications in Spain.
Pillar Guide
Getting a Mortgage in Spain
The core process, the documents, the timeline and the questions worth answering before you pay a reservation deposit.
Read Guide →Non-Resident Mortgages in Spain
How Spanish lenders usually approach overseas income, own funds, valuation limits and case preparation.
Read Guide →Mortgage in Spain for UK Buyers
Post-Brexit practicalities, travel planning, lender expectations and how to avoid timing mistakes.
Read Guide →Getting a Spanish Mortgage from Dubai or the UAE
Designed for Gulf-based buyers who want a polished, well-structured Spanish mortgage application from abroad.
Read Guide →Self-Employed
Self-Employed Mortgage in Spain
What lenders usually want to see from autónomos, company owners and internationally mobile professionals.
Read Guide →Timeline
Spanish Mortgage Timeline & Process
A practical step-by-step view of what normally happens between first review, valuation, final offer and notary signature.
Read Guide →Client Reviews
Trusted by Buyers
Across the Costa del Sol
★★★★★
The team handled everything flawlessly. As a British buyer I was completely unfamiliar with the Spanish mortgage system, but FCG made the whole process straightforward and stress-free.
★★★★★
After being rejected by two banks directly, FCG found us a mortgage in under three weeks at a better rate than we had hoped for. Incredible service and deep knowledge of the market.
★★★★★
Highly professional from start to finish. They guided us through the NIE, bank account opening, and the mortgage itself. We would absolutely recommend them to any foreign buyer in Spain.
★★★★★
Working with Mike and his team was an absolute game changer for us as expats navigating the mortgage process in Spain. They were professional, responsive, and delivered results far beyond what we expected. We wouldn't have our dream home in Málaga without them.
Common Questions
Frequently Asked Questions
Yes — foreign buyers can absolutely get a Spanish mortgage. Most Spanish banks offer mortgages to non-residents, though they typically lend up to 70% LTV (vs 80% for residents). Having a NIE number and a Spanish bank account are prerequisites, both of which we can help you arrange.
With proper documentation, pre-qualification typically takes 2–3 business days. Full mortgage approval from a bank can take 2–6 weeks depending on the lender and complexity. Working with a broker significantly speeds up the process as we know each bank's requirements precisely.
Typically you will need: passport or national ID, proof of income (payslips or tax returns for 2 years), bank statements (3–6 months), employment contract or company accounts if self-employed, and details of the property you wish to purchase. We provide a personalised checklist based on your situation.
Our initial consultation and pre-qualification assessment is completely free of charge. We only charge our fees if you decide to contract one of the mortgage products we find for you.
Spain's former investor residency route was ended for new applications with effect from 3 April 2025. We can still help with NIE, property-linked residency coordination and introductions to the right legal specialists if your case needs a separate residence route.
Our Network
Our Bank Partners
We maintain active relationships with Spain's leading financial institutions to ensure you get the most competitive rates available.
Santander
BBVA
CaixaBank
Sabadell
Bankinter
ING España
Unicaja
Abanca
Openbank
Ibercaja
Professional Membership
Free Calculator
Find Out How Much
You Can Borrow
Answer two questions and get an instant estimate — no personal details required.
Direct Human Contact
Work Directly With Alberto or Mike
No outsourced case handling. From the first mortgage review to the final stretch of the transaction, you can reach a real specialist when something needs explaining, solving or chasing.
Mike Brady
Senior Mortgage Advisor
Mike focuses on Spanish mortgages for expats and non-residents, guiding international buyers through lender fit, paperwork and day-to-day progress with clarity and care.
Ready to Start?
Let's Find Your Perfect
Spanish Mortgage
Book a free, no-obligation consultation with one of our mortgage specialists today. We work across the Costa del Sol and serve clients throughout Spain.