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
Use the calculator to
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
See your mortgage payment in seconds
Instant, illustrative payments and LTV for mortgages in Spain - no credit check.
Set your scenario, see your results live.
Use the sliders to try scenarios. Add your name and WhatsApp to unlock the full breakdown.
Property price (€)
Deposit (€)
Interest rate (annual %)
Mortgage term (years)
Estimated monthly payments
What a typical repayment could look like.
Loan amount
Purchase price minus your deposit.
Loan-to-value (LTV)
Illustrative LTV based on your deposit.
Illustrative only. Final terms depend on eligibility, valuation, and bank review. By submitting you agree to be contacted about mortgage options.
Full breakdown: the big picture from today’s numbers.
LTV %
Your leverage on this purchase.
Estimated interest over term
Total interest if you hold the full term.
Total repaid over term
Principal + interest across the term.
Interest share of total
Share of total paid that’s interest.
Equity after 5 years
Deposit + principal by month 60.
Balance after 5 years
What you’d still owe at month 60.
Full transparency; see how the first years and simple rate changes can affect you.
Interest in first payment
Share of first payment that’s interest.
Principal paid in year 1
Early repayments are interest-heavy.
Payment if rate +1%
About
more vs now.
Payment if rate +2%
About
more vs now.
Payment with +€50k deposit
About
less vs now.
Interest saved with +€50k
Indicative lifetime interest reduction.
Illustrative annuity estimate; payments exclude taxes/fees; LTV = loan ÷ price; final terms set by the lender after eligibility, valuation, and review.
Use the calculator to
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
See your mortgage payment in seconds
Instant, illustrative payments and LTV for mortgages in Spain - no credit check.
Set your scenario, see your results live.
Use the sliders to try scenarios. Add your name and WhatsApp to unlock the full breakdown.
Property price (€)
Deposit (€)
Interest rate (annual %)
Mortgage term (years)
Estimated monthly payments
What a typical repayment could look like.
Loan amount
Purchase price minus your deposit.
Loan-to-value (LTV)
Illustrative LTV based on your deposit.
Illustrative only. Final terms depend on eligibility, valuation, and bank review. By submitting you agree to be contacted about mortgage options.
Full breakdown: the big picture from today’s numbers.
LTV %
Your leverage on this purchase.
Estimated interest over term
Total interest if you hold the full term.
Total repaid over term
Principal + interest across the term.
Interest share of total
Share of total paid that’s interest.
Equity after 5 years
Deposit + principal by month 60.
Balance after 5 years
What you’d still owe at month 60.
Full transparency; see how the first years and simple rate changes can affect you.
Interest in first payment
Share of first payment that’s interest.
Principal paid in year 1
Early repayments are interest-heavy.
Payment if rate +1%
About
more vs now.
Payment if rate +2%
About
more vs now.
Payment with +€50k deposit
About
less vs now.
Interest saved with +€50k
Indicative lifetime interest reduction.
Illustrative annuity estimate; payments exclude taxes/fees; LTV = loan ÷ price; final terms set by the lender after eligibility, valuation, and review.
Use the calculator to
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
see your mortgage in real time
plan finance with your buyers
get clarity with your situation
align budget with your timeline
stress-test rate, term, deposit
move faster with less surprises
keep momentum after viewing
share results to WhatsApp fast
See your mortgage payment in seconds
Instant, illustrative payments and LTV for mortgages in Spain - no credit check.
Set your scenario,
see your results live.
Property price (€)
Deposit (€)
Interest rate (annual %)
Mortgage term (years)
Estimated monthly payments
What a typical repayment could look like.
Loan amount
Purchase price minus your deposit.
Loan-to-value (LTV)
Illustrative LTV based on your deposit.
Your results are:
Add your name and WhatsApp to see the full breakdown.
Estimates are illustrative only.
Final terms depend on eligibility, valuation, and bank review.
By submitting, you agree to our Privacy Policy.
Full breakdown:
the big picture from today’s numbers.
LTV %
Your leverage on this purchase.
Interest over term (est)
Total interest if you hold the full term.
Total repaid over term
Principal + interest across the term.
Interest share of total
Share of total paid that’s interest.
Equity after 5 years
Deposit + principal by month 60.
Balance after 5 years
What you’d still owe at month 60.
Full transparency:
see how the first years and simple rate changes can affect you.
Interest in first payment
Share of first payment that’s interest.
Principal paid in year 1
Early repayments are interest-heavy.
Payment if rate +1%
About
more vs now.
Payment if rate +2%
About
more vs now.
Payment with +€50k deposit
About
less vs now.
Interest saved with +€50k
Indicative lifetime interest reduction.
Illustrative annuity estimate; payments exclude taxes/fees; LTV = loan ÷ price; final terms set by the lender after eligibility, valuation, and review.
How it works
How it works
How it works
What happens next?
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/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
Here’s how broker fees work for international mortgages in Spain.
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
Here’s how broker fees work for international mortgages in Spain.
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
Here’s how broker fees work for international mortgages in Spain.
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.
FAQs
FAQs
FAQs
Questions, answered
Quick answers about the calculator, pre-check, and what happens next.
What does this calculator estimate?
It gives an indicative monthly payment, the deposit you may need, and a rough maximum loan for the price and term you choose. It is a guide, not an approval.
How accurate are the numbers?
They use market ranges and typical lender rules. Your final rate and terms depend on your documents, the lender, and the property valuation.
Does using the calculator affect my credit?
No. There is no credit check to use this tool.
Is the result a mortgage approval?
No. It is illustrative. The broker confirms what is realistic after a pre-check and a review of your documents.
Which interest rate does it use?
There is a default example rate. Adjust the rate slider to test scenarios. The broker will quote product-specific rates after the pre-check.
Can I change the rate, deposit, term, or price to see the effect?
Yes. Use the sliders to model different scenarios and see how the monthly payment and loan amount change.
Can non-residents use this calculator?
Yes. It is designed for both residents and non-residents. Actual LTV and rates vary by profile and lender.
Does it include purchase taxes and closing costs?
No. It focuses on the mortgage. Purchase taxes and closing costs vary by region and property type. Your lawyer or gestor will confirm a precise figure.
What documents turn a calculation into an offer?
Passport or NIE, proof of income, recent bank statements, details of debts, and a link to the property. Self-employed buyers may need tax returns and accounts.
Can I save or share my calculation?
Yes. Add your name and WhatsApp to unlock the full breakdown. We send your results to WhatsApp and email and attach them to your file.
Why is my monthly payment different from other sites?
Different tools use different assumptions. Some include taxes or insurance. Ours shows the mortgage payment only based on the inputs you choose.
Does the calculator assume repayment or interest-only?
Standard repayment. It does not model interest-only. Some alternative lenders may offer interest-only on a case-by-case basis.
What does the LTV label mean?
It is a broad indicator of leverage based on your deposit. Final LTV depends on eligibility, valuation, and bank policy.
Do I need a specific property to use it?
No. You can use a target price to get a sense of budget. For an offer, the broker will need a specific property link.
What is the next step after I get a number?
Start a pre-check. We verify the essentials within about 48 hours on business days and the broker confirms realistic options.
Will you contact me after I use the calculator?
Yes. If you add your WhatsApp we send your results and next steps to WhatsApp and email. You can opt out at any time.
Which areas does the calculator apply to?
Spain-wide. We focus on the Costa del Sol but can support other regions.
What does this calculator estimate?
It gives an indicative monthly payment, the deposit you may need, and a rough maximum loan for the price and term you choose. It is a guide, not an approval.
How accurate are the numbers?
They use market ranges and typical lender rules. Your final rate and terms depend on your documents, the lender, and the property valuation.
Does using the calculator affect my credit?
No. There is no credit check to use this tool.
Is the result a mortgage approval?
No. It is illustrative. The broker confirms what is realistic after a pre-check and a review of your documents.
Which interest rate does it use?
There is a default example rate. Adjust the rate slider to test scenarios. The broker will quote product-specific rates after the pre-check.
Can I change the rate, deposit, term, or price to see the effect?
Yes. Use the sliders to model different scenarios and see how the monthly payment and loan amount change.
Can non-residents use this calculator?
Yes. It is designed for both residents and non-residents. Actual LTV and rates vary by profile and lender.
Does it include purchase taxes and closing costs?
No. It focuses on the mortgage. Purchase taxes and closing costs vary by region and property type. Your lawyer or gestor will confirm a precise figure.
What documents turn a calculation into an offer?
Passport or NIE, proof of income, recent bank statements, details of debts, and a link to the property. Self-employed buyers may need tax returns and accounts.
Can I save or share my calculation?
Yes. Add your name and WhatsApp to unlock the full breakdown. We send your results to WhatsApp and email and attach them to your file.
Why is my monthly payment different from other sites?
Different tools use different assumptions. Some include taxes or insurance. Ours shows the mortgage payment only based on the inputs you choose.
Does the calculator assume repayment or interest-only?
Standard repayment. It does not model interest-only. Some alternative lenders may offer interest-only on a case-by-case basis.
What does the LTV label mean?
It is a broad indicator of leverage based on your deposit. Final LTV depends on eligibility, valuation, and bank policy.
Do I need a specific property to use it?
No. You can use a target price to get a sense of budget. For an offer, the broker will need a specific property link.
What is the next step after I get a number?
Start a pre-check. We verify the essentials within about 48 hours on business days and the broker confirms realistic options.
Will you contact me after I use the calculator?
Yes. If you add your WhatsApp we send your results and next steps to WhatsApp and email. You can opt out at any time.
Which areas does the calculator apply to?
Spain-wide. We focus on the Costa del Sol but can support other regions.
What does this calculator estimate?
It gives an indicative monthly payment, the deposit you may need, and a rough maximum loan for the price and term you choose. It is a guide, not an approval.
How accurate are the numbers?
They use market ranges and typical lender rules. Your final rate and terms depend on your documents, the lender, and the property valuation.
Does using the calculator affect my credit?
No. There is no credit check to use this tool.
Is the result a mortgage approval?
No. It is illustrative. The broker confirms what is realistic after a pre-check and a review of your documents.
Which interest rate does it use?
There is a default example rate. Adjust the rate slider to test scenarios. The broker will quote product-specific rates after the pre-check.
Can I change the rate, deposit, term, or price to see the effect?
Yes. Use the sliders to model different scenarios and see how the monthly payment and loan amount change.
Can non-residents use this calculator?
Yes. It is designed for both residents and non-residents. Actual LTV and rates vary by profile and lender.
Does it include purchase taxes and closing costs?
No. It focuses on the mortgage. Purchase taxes and closing costs vary by region and property type. Your lawyer or gestor will confirm a precise figure.
What documents turn a calculation into an offer?
Passport or NIE, proof of income, recent bank statements, details of debts, and a link to the property. Self-employed buyers may need tax returns and accounts.
Can I save or share my calculation?
Yes. Add your name and WhatsApp to unlock the full breakdown. We send your results to WhatsApp and email and attach them to your file.
Why is my monthly payment different from other sites?
Different tools use different assumptions. Some include taxes or insurance. Ours shows the mortgage payment only based on the inputs you choose.
Does the calculator assume repayment or interest-only?
Standard repayment. It does not model interest-only. Some alternative lenders may offer interest-only on a case-by-case basis.
What does the LTV label mean?
It is a broad indicator of leverage based on your deposit. Final LTV depends on eligibility, valuation, and bank policy.
Do I need a specific property to use it?
No. You can use a target price to get a sense of budget. For an offer, the broker will need a specific property link.
What is the next step after I get a number?
Start a pre-check. We verify the essentials within about 48 hours on business days and the broker confirms realistic options.
Will you contact me after I use the calculator?
Yes. If you add your WhatsApp we send your results and next steps to WhatsApp and email. You can opt out at any time.
Which areas does the calculator apply to?
Spain-wide. We focus on the Costa del Sol but can support other regions.
For real estate agents; partner with us
Share your buyer’s scenario, we handle eligibility and documents, you keep the relationship.
Prefer WhatsApp? Start a group, you stay in all conversations.
For real estate agents; partner with us
Share your buyer’s scenario, we handle eligibility and documents, you keep the relationship.
For agents; partner with us
Share your buyer’s scenario, we handle eligibility and documents, you keep the relationship.