Expertise
Financing property in Spain requires more than a mortgage.
For international, HNW & UHNW clients, we combine lending expertise, tax and structure coordination, and strategic guidance into one continuous advisory relationship. Every mandate remains under my personal direction from first strategy to final completion.
Non Resident Property Finance
Buying property in Spain without Spanish tax residency requires more than simply finding a mortgage. We identify the right lender, structure the financing around your country of residence, currency and income profile, and manage the process from initial feasibility through to completion. With one dedicated advisor, every step is handled with clarity, discretion and local expertise.
Built for
International buyers · Holiday homes, primary residences and buy-to-let investments · UK, Dutch, German, Scandinavian, US and other international residents · Typical LTVs of 60–70%, fully amortising loans with terms of up to 25 years
HNW & UHNW finance
Complex acquisitions require more than standard financing. Holding structures, cross-border tax considerations, regulatory requirements, currency exposure and private banking relationships all need to work together. We coordinate closely with Spanish lenders, tax advisers, lawyers and private banks to ensure every element is aligned. Every mandate remains under my personal direction from the initial strategy through to completion.
Built for
HNW & UHNW clients · Family offices · Founders, entrepreneurs and senior executives · Acquisitions through Spanish or international holding structures · Private banking-led financing · Financing structures of up to 100% LTV, including interest-only solutions where appropriate
International & Complex Structures
Complex property acquisitions often involve multiple specialists across different jurisdictions. We coordinate with tax, legal, ownership structure and private banking specialists where required, ensuring the different elements of the financing process remain aligned. From financing approval to completion, we oversee communication and keep the process moving efficiently.
Built for
International clients · Cross-border tax situations · Complex income and ownership structures · Estate and succession planning
Where I work
Across the regions international buyers choose.
Six key regions. One trusted advisor. While every market has its own lenders, valuation practices and legal nuances, your experience remains the same: one continuous advisory relationship, built on local expertise, trusted networks and personal guidance.
Mallorca
Our home market. Deep relationships with local lenders, valuers and notaries across the island – from Pollensa and Son Vida to Andratx and Palma. Local knowledge that helps transactions move efficiently from application to completion.
Ibiza & Formentera
A highly specialised market where lender appetite, valuation methodology and property type all influence the financing strategy. We work closely with banks experienced in prime island real estate and maintain strong relationships with private banking teams for higher-value acquisitions.
Costa del Sol
Marbella, Estepona, Benahavís and Sotogrande remain among Spain’s most international property markets. We regularly advise clients with cross-border income, international assets and more complex ownership structures.
Costa Blanca
Alicante, Jávea, Moraira and Altea combine an established international buyer market with a broad lending landscape. Local expertise and lender selection make a meaningful difference to financing outcomes.
Madrid
From investment apartments to executive relocations and family office acquisitions, Madrid demands a different lending approach. We combine local expertise with extensive experience advising internationally mobile clients.
Barcelona
From Eixample and Sant Cugat to the surrounding coastline, we advise international executives, investors and relocating families, working closely with specialist lenders and private banking partners for more complex acquisitions.
ONE RELATIONSHIP
One relationship. Personally led from strategy to completion.
Every acquisition follows a clear and carefully managed process. From the first conversation to completion, every stage is coordinated with discretion, local expertise and personal guidance, so you never have to manage multiple advisers, banks or jurisdictions yourself.
01
Initial Conversation
Begin with a confidential conversation or a two-minute Quick Scan. We take the time to understand your objectives, financial profile and timeline before recommending the most suitable approach.
02
Strategy & Structure
Together we define the right financing strategy. Lending options, tax considerations, ownership structures and lender requirements are brought into alignment, with clear advice in your own language.
03
Lender Selection
With access to more than twenty Spanish lenders and private banking partners, we identify the institution best suited to your profile, rather than asking you to fit the bank.
04
Completion & Beyond
From mortgage approval through to signing at the notary, every detail is personally coordinated. Our relationship doesn’t end at completion, we remain available whenever you need trusted advice.
Trusted by leading professionals.
The advisor behind the advisor.
Leading real estate agents, lawyers, tax advisers, private banks and family offices introduce their international clients to us because they know every mandate is handled with the same professionalism, discretion and personal attention they provide themselves.
Start the conversation
One conversation, one clear path forward.
Begin with a two-minute Quick Scan or arrange a confidential conversation. Every enquiry receives a personal response from Maaike, in your preferred language.