• 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

Spanish mortgages for international buyers

Spanish mortgages for international buyers

We package your case, loop in a specialist broker, and aim for a first yes/no in ~48 hours (business days) once essentials are verified.

Start pre-check

Go to calculator

What we do

Why buyers choose Zerodown for their mortgage

Built for international buyers. Clear answers first. Local Costa del Sol team.

Non-resident expertise

International buyers are our focus. We know how Spanish banks assess and approve cases.

Fast pre-checks

Once we have passport/NIE, proof of income, job type and debts, a broker gives an initial yes/no in~48 hours.

Bank-ready docs

We help package your file so the broker can submit cleanly to banks for best results.

Transparent pricing

Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.

What we do

Why buyers choose Zerodown for their mortgage

Built for international buyers. Clear answers first. Local Costa del Sol team.

Non-resident expertise

International buyers are our focus. We know how Spanish banks assess and approve cases.

Fast pre-checks

Once we have passport/NIE, proof of income, job type and debts, a broker gives an initial yes/no in~48 hours.

Bank-ready docs

We help package your file so the broker can submit cleanly to banks for best results.

Transparent pricing

Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.

What we do

Why buyers choose Zerodown for their mortgage

Built for international buyers. Clear answers first. Local Costa del Sol team.

Non-resident first

International buyers are our focus. We know how Spanish banks assess and approve cases.

Fast pre-checks

Once we have passport/ NIE, income, job type and debts, a broker gives an initial yes/no.

Bank-ready docs

We help package your file so the broker can submit cleanly to banks for best results.

Transparent pricing

Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.

How it works

How zerodown works

Start pre-check
Start pre-check

Complete the pre-check form, answer short questions about the property & finances, we confirm what’s next.

Send the essentials

Passport or NIE, proof of income, employment type, and any existing debts. Secure upload available.

Initial viability in ~48 hours

Once essentials are verified, the broker gives a yes/no within 48 hours and a short checklist for next steps.

Build the case and submit

We assemble a lender-ready file with the broker, gather any remaining documents, and submit to banks.

We track lender feedback, coordinate follow-ups and valuation, compare terms, and agree the route forward together.

Essential docs

Get an answer in 48 hrs

When you submit the pre-check form, we review your needs and request the essentials.

When you submit the pre-check form, we review your needs and request the essentials.

Essentials we’ll ask for

Essentials we’ll ask for

Passport or NIE; clear copy

Proof of income; recent payslips or tax returns

Income proof; recent payslips or tax returns

Employment type; employed or self-employed

Employment; employed or self-employed

Existing debts; loans and monthly payments

Debts; existing loans/monthly payments

Once we receive these, the broker gives an initial yes/no in ~48 hours (business days), then together we build a bank-ready file so the broker can get you the best deal.

Once we receive these, the broker gives an initial yes/no in ~48 hours (business days), then together we build a bank-ready file so the broker can get you the best deal.

Chat with us on WhatsApp if you have any questions.

Chat with us on WhatsApp if you have questions.

Online now

Chat on WhatsApp

Pricing

Transparent pricing, no hidden fees

Broker fee; 2-5% of the financed amount. Payable to the broker.
50% when your file is submitted to banks and 50% when funds are released.
The first 50% is refundable if your mortgage does not complete.

2-5%

total fee, based on the financed amount

Start pre-check

50% when file is submitted to banks (refundable)

You pay when the broker submits your file. Refunded if the mortgage does not complete.

50% when funds are released

You pay the balance once the mortgage completes and funds are released to you.

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 you directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

Pricing

Transparent pricing, no hidden fees

Broker fee; 2-5% of the financed amount. Payable to the broker.
50% when your file is submitted to banks and 50% when funds are released.
The first 50% is refundable if your mortgage does not complete.

2-5%

total fee, based on the financed amount

Start pre-check

50% when file is submitted to banks

You pay when the broker submits your file. Refunded if the mortgage does not complete.

50% when funds are released

You pay the balance once the mortgage completes and funds are released to you.

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 you directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

Pricing

Transparent pricing, no hidden fees

Broker fee; 2-5% of the financed amount. Payable to the broker.
50% when your file is submitted to banks and 50% when funds are released.
The first 50% is refundable if your mortgage does not complete.

2-5%

total fee, based on the financed amount

Start pre-check

50% when file is submitted to banks

You pay when the broker submits your file. Refunded if the mortgage does not complete.

50% when funds are released

You pay the balance once the mortgage completes and funds are released to you.

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 you directly. Fees are based on the financed amount. Offers and timelines depend on lender eligibility and underwriting.

In a rush?

Fast-track your application

Need to move quickly? Submit the essentials and we’ll aim to give you a read within ~48 hours (business days).

Essentials for fast-track;

Passport or NIE; clear copy

Proof of income; recent payslips or tax returns

Employment type; employed or self-employed

Existing debts; loans and monthly payments

Get started

Want to estimate your mortgage first?

Estimate your Spanish mortgage with our calculator. Share your scenario, we’ll handle eligibility and documents. Prefer WhatsApp? Chat with our team and ask us any questions you have.

Try the mortgage calculator

Chat on WhatsApp

Prefer WhatsApp?
Chat with our team and ask any questions you have.

Try the mortgage calculator

Chat on WhatsApp

In a rush?

Fast-track your application

Need to move quickly? Submit the essentials and we’ll aim to give you a read within ~48 hours (business days).

Essentials for fast-track;

Passport or NIE; clear copy

Proof of income; recent payslips or tax returns

Employment type; employed or self-employed

Existing debts; loans and monthly payments

Get started

Want to estimate your mortgage first?

Estimate your Spanish mortgage with our calculator. Share your scenario, we’ll handle eligibility and documents. Prefer WhatsApp? Chat with our team and ask us any questions you have.

Try the mortgage calculator

Chat on WhatsApp

Prefer WhatsApp?
Chat with our team and ask any questions you have.

Try the mortgage calculator

Chat on WhatsApp

In a rush?

Fast-track your results

We review your inputs. If viable, we’ll request the basics; with those we give an initial yes/no in about 24 hours and build a bank-ready file.

Essentials for fast-track;

Passport or NIE; clear copy

Proof of income; recent payslips/tax returns

Employment; employed or self-employed

Existing debts; loans and monthly payments

Get started

Want to estimate your mortgage first?

Estimate your mortgage with our calculator. Share your scenario, we’ll handle eligibility and documents.

Try the mortgage calculator

Chat on WhatsApp

Prefer WhatsApp?
Chat with our team and ask any questions you have.

Try the mortgage calculator

Chat on WhatsApp

Partners

Trusted banks

Our broker network places cases with Spanish banks when the fit is right.

Partners

Trusted banks

Our broker network places cases with Spanish banks when the fit is right.

Partners

Trusted banks

Our broker network places cases with Spanish banks when the fit is right.

FAQs

Frequently asked questions

Quick answers about how the process works, what you pay and when, next steps, and what to expect.

Who are you and how do you fit into the process?

Zerodown is an introducer. We package your case and coordinate with a specialist mortgage broker. We are not a lender and we do not provide financial advice.

Am I eligible as a non-resident?

Eligibility depends on your documents and lender criteria. We do a quick pre-check first, then the broker confirms what is realistic for you.

What do you need to start the pre-check?

Passport or NIE, proof of income, your employment type, and any existing debts.

How long does the first answer take?

Typically within 48 hours on business days after the essentials are verified by the broker.

Will this affect my credit score?

No credit check is needed to use our site or start a pre-check. If you proceed to a formal application, the lender may run its own checks.

How much can I borrow or what LTV can I expect as a non-resident?

It varies by lender, profile, and documentation. Your broker will confirm LTV ranges after the pre-check and once they see your full file.

Do you accept different income types and currencies?

Most standard income types and currencies can be considered, subject to lender eligibility. The broker will confirm what evidence is needed.

Do you submit to multiple banks?

Yes, once the broker approves your case and your file is complete, they place it with the banks that best fit your profile.

When are fees paid, and who invoices me?

See the Pricing section. The broker invoices you directly. The first 50% is refundable if your mortgage does not complete.

Can I start if I do not have an NIE yet?

Yes, we can begin the pre-check and document build. You will need an NIE before completion. Your broker can advise on timing.

Do you work with residents too?

Yes. Our focus is the Costa del Sol, but Spain wide is possible.

What happens after an offer?

Your broker coordinates valuation, final underwriting, and notary signing, and keeps everyone aligned to completion.

Is the calculator result an approval?

No, it is illustrative. Real terms depend on lender criteria, your documents, and the property valuation.

Ready to move forward?

We’ll review your essentials and aim for a first yes/no in ~48 hours (business days).

No credit check, every step forward is approved by you

Start pre-check

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Close-up of a dark green leaf showing its textured surface and central vein against a muted background.
A smiling woman with her arms crossed, standing against a dark green background. She has long, dark hair.
Close-up of a dark green leaf showing its textured surface and central vein against a muted background.
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Close-up of a tree stump showing growth rings and a textured brown wood surface.

Ready to move forward?

We’ll review your essentials and aim for a first yes/no in ~48 hours (business days).

No credit check, every step forward is approved by you

Start pre-check

Close-up of a dark green leaf showing its textured surface and central vein against a muted background.
Smiling young woman with long hair standing against a dark green background, holding a finger to her chin.
Close-up of a dark green leaf showing its textured surface and central vein against a muted background.
A smiling woman with her arms crossed, standing against a dark green background. She has long, dark hair.
Close-up of a dark green leaf showing its textured surface and central vein against a muted background.
Smiling young man with short hair poses against a dark background, wearing a green button-up shirt.
Close-up of a tree stump showing growth rings and a textured brown wood surface.
A smiling young man with crossed arms, wearing a plaid shirt and white t-shirt, poses against a dark background.
Close-up of a tree stump showing growth rings and a textured brown wood surface.

For agents; partner with us

We’ll review your essentials and aim for a first yes/no in ~48 hours (business days).

No credit check, every step forward is approved by you

Register

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