• Start now or WhatsApp us for more info

  • Welcome to Zerodown, onboarding new cases now

  • Mortgage solutions for non-residents; simple, fast, reliable

  • Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding

  • Start your pre-check, no credit check, simple inputs

  • Limited intake each month; our calendar is open to new cases

Start pre-check

  • Start now or WhatsApp us for more info

  • Welcome to Zerodown, onboarding new cases now

  • Mortgage solutions for non-residents; simple, fast, reliable

  • Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding

  • Start your pre-check, no credit check, simple inputs

  • Limited intake each month; our calendar is open to new cases

Start pre-check

  • Start now or WhatsApp us for more info

  • Welcome to Zerodown, onboarding new cases now

  • Mortgage solutions for non-residents; simple, fast, reliable

  • Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding

  • Start your pre-check, no credit check, simple inputs

  • Limited intake each month; our calendar is open to new cases

Start pre-check

Why become a collaborator

Offer mortgages from your agency

We handle pre-checks, documents, and lender placement.
Typically within 48 hours (business days) for the first read once essentials are in.
You stay in a 3-way WhatsApp group from day one. Zero cost to your agency.

Register as a collaborator

Online now

Chat on WhatsApp

Why become a collaborator

Offer mortgages from your agency

We handle pre-checks, documents, and lender placement. Typical visibility within 48 hours.


You stay in a 3-way WhatsApp group from day one. Zero cost to your agency.

Register as a collaborator

Online now

Chat on WhatsApp

Why become a collaborator

Offer mortgages from your agency

We handle pre-checks, documents, and lender placement.
Typically within 48 hours (business days) for the first read once essentials are in.
You stay in a 3-way WhatsApp group from day one. Zero cost to your agency.

Register as a collaborator

Online now

Chat on WhatsApp

Mortgages as a services

Add a full mortgage workflow without hiring - we run intake, packaging, and handoff to a licensed broker.

Buyer calculator & tools

Use the buyer calculator with clients. Your unique link captures basics and optional docs, auto-tags your agency.

Co-branded info pack

Get a clean PDF with your logo to share in listings, DMs, and email - built to answer buyer questions fast.

WhatsApp-first workflow

Every case runs in a 3-way WhatsApp group - you see updates, add context, and keep clients moving.

Mortgages as a services

Add a full mortgage workflow without hiring - we run intake, packaging, and handoff to a licensed broker.

Buyer calculator & tools

Use the buyer calculator with clients. Your unique link captures basics and optional docs, auto-tags your agency.

Co-branded info pack

Get a clean PDF with your logo to share in listings, DMs, and email - built to answer buyer questions fast.

WhatsApp-first workflow

Every case runs in a 3-way WhatsApp group - you see updates, add context, and keep clients moving.

Mortgages as a services

Add a full mortgage workflow without hiring - we run intake, packaging, and handoff to a licensed broker.

Buyer calculator & tools

Use the buyer calculator with clients. Your unique link captures basics and optional docs, auto-tags your agency.

Co-branded info pack

Get a clean PDF with your logo to share in listings, DMs, and email - built to answer buyer questions fast.

WhatsApp-first workflow

Every case runs in a 3-way WhatsApp group - you see updates, add context, and keep clients moving.

How it works

How it works as a collaborator

Register your agency

Complete the collaborator form below. We’ll confirm on WhatsApp and send your co-branded share pack.

Offer mortgages to your buyers

Start promoting mortgages. Buyers start from your QR or form link. We tag your agency and open a 3-way chat.

Pre-check and documents

We request essentials, package the file, and get an initial broker read - typically within 48 hours (business days).

Bank submission and updates

The broker submits to banks and manages the process end to end. You and the buyer see milestones to funding.

What we need from you

Agency name

Agency name

Contact name

Contact name

Email & WhatsApp

Email & WhatsApp

Website or Instagram

Website or Instagram

Logo (SVG/PNG) so we can co-brand your PDF

Logo (SVG/PNG) so we can co-brand your PDF

Notes ; typical buyer profile or any specific notes

Notes ; typical buyer profile or any specific notes

What we need from you

Agency name

Contact name

Email & WhatsApp

Website or Instagram

Logo file (SVG/PNG)

Notes ; typical buyer profile or any specific notes

We use your details only to set up the collaborator workflow and communicate about live cases.

Chat with us on WhatsApp if you have any questions.

Online now

Chat on WhatsApp

What your buyers get

48-hour pre-check

Once essentials are in, the broker gives an initial yes or no, so buyers know where they stand early.

LTV and deposit guidance

Straight answers on what is realistic for their profile, including options to strengthen an application.

Full cost breakdown

End-to-end view of expected costs; broker fees, notary and registry, taxes, and bank charges.

Rate and payment views

Illustrative monthly payments and stress checks, so buyers understand affordability before they commit.

Document checklist

Tailored to non-resident scenarios, employed or self-employed, with secure ways to submit.

Licensed broker

A regulated professional manages bank process and terms, with your agency looped in throughout.

What your buyers get

48-hour pre-check

Once essentials are in, the broker gives an initial yes or no, so buyers know where they stand early.

LTV and deposit guidance

Straight answers on what is realistic for their profile, including options to strengthen an application.

Full cost breakdown

End-to-end view of expected costs; broker fees, notary and registry, taxes, and bank charges.

Rate and payment views

Illustrative monthly payments and stress checks, so buyers understand affordability before they commit.

Document checklist

Tailored to non-resident scenarios, employed or self-employed, with secure ways to submit.

Licensed broker

A regulated professional manages bank process and terms, with your agency looped in throughout.

What your buyers get

48-hour pre-check

Once essentials are in, the broker gives an initial yes or no, so buyers know where they stand early.

LTV and deposit guidance

Straight answers on what is realistic for their profile, including options to strengthen an application.

Full cost breakdown

End-to-end view of expected costs; broker fees, notary and registry, taxes, and bank charges.

Rate and payment views

Illustrative monthly payments and stress checks, so buyers understand affordability before they commit.

Document checklist

Tailored to non-resident scenarios, employed or self-employed, with secure ways to submit.

Licensed broker

A regulated professional manages bank process and terms, with your agency looped in throughout.

Register as a collaborator 👉

Register as a collaborator

Register as a collaborator 👉

Start offering mortgages to your clients today. Tell us a few details and we’ll send your share pack.

Start offering mortgages to your clients today. Tell us a few details and we’ll send you the share pack.

Or send us a message directly on WhatsApp.

Online now

Chat on WhatsApp

Full name

Who we’ll speak with.

Agency name

Your trading name.

Email address

For docs and follow-ups.

WhatsApp number

Best number for quick replies. Please add country code.

Website or Instagram (optional)

Helps us review your work.

By sending this form you agree to our Privacy Policy and to be contacted about collaboration and live cases.

Pricing

Transparent pricing, no hidden fees

The question we get asked the most, what is the cost?

Your buyer pays a broker fee between 2-5% of the financed amount. Payable to the broker.
50% when the file is submitted to banks and 50% when funds are released.
The first 50% is refundable if the mortgage does not complete.

2-5%

total fee, based on the financed amount

Offer mortgages from your agency

50% when file is submitted to banks (refundable)

The buyer pays the broker’s provision of funds. Refunded if the mortgage does not complete.

50% when funds are released

The buyer pays when the mortgage completes and funds are released to them.

Included

File checks and document preparation

Bank matching and warm introductions

Coordination and updates through to funding

Not included

Bank and third-party charges (arrangement, account, etc.)

Valuation, notary, registry, and local taxes

Independent legal, tax, or advisory services

The broker invoices your buyer directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

€0 cost to your agency. €0 charged by us. Zerodown acts as an introducer, not a lender or financial advisor. Offers are subject to partner underwriting and eligibility. All funds are paid directly to the broker.

Pricing

Transparent pricing, no hidden fees

The question we get asked the most, what is the cost?

Your buyer pays a broker fee between 2-5% of the financed amount. Payable to the broker.
50% when the file is submitted to banks and 50% when funds are released.
The first 50% is refundable if the mortgage does not complete.

2-5%

total fee, based on the financed amount

Offer mortgages from your agency

50% when file is submitted to banks

The buyer pays the broker’s provision of funds. Refunded if the mortgage does not complete.

50% when funds are released

The buyer pays when the mortgage completes and funds are released to them.

Included

File checks and document preparation

Bank matching and warm introductions

Coordination and updates through to funding

Not included

Bank and third-party charges

Valuation, notary, registry, and local taxes

Independent legal, tax, or advisory services

The broker invoices your buyer directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

€0 cost to your agency. €0 charged by us.

Pricing

Transparent pricing, no hidden fees

The question we get asked the most, what is the cost?

Your buyer pays a broker fee between 2-5% of the financed amount. Payable to the broker.
50% when the file is submitted to banks and 50% when funds are released.
The first 50% is refundable if the mortgage does not complete.

2-5%

total fee, based on the financed amount

Offer mortgages from your agency

50% when file is submitted to banks

The buyer pays the broker’s provision of funds. Refunded if the mortgage does not complete.

50% when funds are released

The buyer pays when the mortgage completes and funds are released to them.

Included

File checks and document preparation

Bank matching and warm introductions

Coordination and updates through to funding

Not included

Bank and third-party charges

Valuation, notary, registry, and local taxes

Independent legal, tax, or advisory services

The broker invoices your buyer directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

€0 cost to your agency. €0 charged by us. Zerodown acts as an introducer, not a lender or financial advisor. Offers are subject to partner underwriting and eligibility. All funds are paid directly to the broker.

FAQs

Frequent questions from agents

Frequent questions
from agents

How fast is the first answer?

Typically within 48 hours on business days once essentials are received and verified.

How do you track which agency a buyer came from?

Your unique link auto tags the case and opens a 3 way WhatsApp group with you in it.

Do you work with multiple banks?

Yes. The broker places the case with suitable banks based on the buyer profile.

What languages do you support?

English, Swedish and Spanish. We can loop in other language support if needed.

What does it cost my agency?

€0. Fees are between the buyer and the broker.

Do you provide legal or tax advice?

Some of our brokers are lawyers in Spain. We can set that up for you if needed.

Can you work from a property link or listing?

Yes. Share the link in the chat and we will include it in the file.

How do I refer a buyer?

Share your unique link or start a WhatsApp intro with the buyer and us. The case is auto tagged to you.

What buyer info is most helpful before a pre check?

Full name, email and phone, nationality, income and employment type, monthly debts, budget and area, NIE status.

What happens after I refer?

We run a quick pre check, then the broker confirms realistic options. You and the buyer are updated in the WhatsApp thread.

Do you cover residents and non residents?

Yes. Non residents are common. Residents are fine as well.

Which areas do you cover?

Mainly the Costa del Sol. Spain wide is possible.

Can you help with new build or off plan?

Yes. We also work with alternative lenders who finance new build and off plan when banks will not.

Can you compare offers if a buyer already spoke to a bank?

Yes. We can benchmark and confirm whether better options exist once we see the documents.

Does the calculator or pre check affect credit score?

Using our site does not. Banks may run their own checks later in the process.

Who handles valuation and notary steps?

The broker coordinates the bank valuation and mortgage completion at the notary. You handle the purchase side with the buyer.

How do you keep me informed?

A 3 way WhatsApp group is opened at the start. We post status updates at key steps.

Are you a lender or a broker?

We are an introducer. We package the case and coordinate with specialist brokers.

Introducer for non-resident mortgages in Spain. We prepare your file and connect you to licensed partners.

Pages

Information

Zerodown is an introducer service - not a lender or broker - and does not provide regulated mortgage advice. We collect information, prepare case packs, and introduce clients to licensed partners who handle KYC, advice, underwriting, and approvals. Typical LTV for non-resident buyers is around 70 percent - higher LTV may be possible case by case with additional guarantees. We may receive a fee from partner brokers if your mortgage completes. Starting pre-qualification means you agree to our Privacy Policy and consent to us sharing your data with selected partners for mortgage assessment.

© 2025 zerodown, all rights reserved

Introducer for non-resident mortgages in Spain. We prepare your file and connect you to licensed partners.

Pages

Information

Zerodown is an introducer service - not a lender or broker - and does not provide regulated mortgage advice. We collect information, prepare case packs, and introduce clients to licensed partners who handle KYC, advice, underwriting, and approvals. Typical LTV for non-resident buyers is around 70 percent - higher LTV may be possible case by case with additional guarantees. We may receive a fee from partner brokers if your mortgage completes. Starting pre-qualification means you agree to our Privacy Policy and consent to us sharing your data with selected partners for mortgage assessment.

© 2025 zerodown, all rights reserved

Introducer for non-resident mortgages in Spain. We prepare your file and connect you to licensed partners.

Pages

Information

Zerodown is an introducer service - not a lender or broker - and does not provide regulated mortgage advice. We collect information, prepare case packs, and introduce clients to licensed partners who handle KYC, advice, underwriting, and approvals. Typical LTV for non-resident buyers is around 70 percent - higher LTV may be possible case by case with additional guarantees. We may receive a fee from partner brokers if your mortgage completes. Starting pre-qualification means you agree to our Privacy Policy and consent to us sharing your data with selected partners for mortgage assessment.

© 2025 zerodown, all rights reserved