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 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 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
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.
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.
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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 it works
How it works
How zerodown works
Start pre-check
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.
Send the essentials
Passport or NIE, proof of income, employment type, and any existing debts. Secure upload available.
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.
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.
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.
Build the case and submit
We assemble a lender-ready file with the broker, gather any remaining documents, and submit to banks.
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
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.
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
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
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
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
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.
Prefer WhatsApp?
Chat with our team and ask any questions you have.
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
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.
Prefer WhatsApp?
Chat with our team and ask any questions you have.
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
Want to estimate your mortgage first?
Estimate your mortgage with our calculator. Share your scenario, we’ll handle eligibility and documents.
Prefer WhatsApp?
Chat with our team and ask any questions you have.
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
FAQs
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.
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.
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
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
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