Simple
48hr
yes/no
submit
How it works
The process from start to finish
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.
With the essential docs, the broker gives an initial yes/no in ~48 hours (business days), then we build a lender-ready file.
Essentials we’ll ask for
Chat with us on WhatsApp if you have any questions.
Online now
FAQs
Your questions, answered
Quick answers about how the process works, what you pay and when, next steps, and what to expect.
What is Zerodown?
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.
Who is this for?
International buyers, residents and non-residents, and partner agencies that want a faster path to a Spanish mortgage.
Are you a lender or a broker?
Neither. We are an introducer that prepares your file and routes it to the right specialist broker.
Can non-residents get a mortgage in Spain?
Often yes. LTV and rates depend on your profile and documents. We confirm what is realistic after a quick pre-check.
How do I start?
Use the calculator, then start a pre-check. Add your name and WhatsApp to unlock the full breakdown and next steps.
How fast is the first answer?
Typically within 48 hours on business days once the essentials are verified by the broker.
Does using your site affect my credit score?
No. There is no credit check to use the calculator or start a pre-check. Lenders may run checks later in the process.
Do you work with multiple banks and alternative lenders?
Yes. We place cases with major banks and we also work with alternative lenders who finance new build and off-plan when banks will not.
What does it cost?
Broker fee: 2–5% of the financed amount. Paid to the broker in two parts: 50% when your file is submitted to banks and 50% when funds are released on completion. The first 50% is refundable if your mortgage does not complete. Included: file checks and document preparation, bank matching and warm introductions, coordination and updates. Not included: bank and third-party charges, valuation, notary, registry and local taxes, or independent legal or tax advice.
Which areas do you cover?
Focus is the Costa del Sol. Spain-wide is possible.
What documents are needed for a pre-check?
Passport or NIE, proof of income, employment type, recent bank statements, and any existing debts. A property link helps but is not required to start.
What happens after I get an offer?
The broker coordinates valuation, final underwriting, and notary signing, and keeps everyone aligned to completion.
Can you work from a property link or listing?
Yes. Share the link in the chat and we will include it in your file.
What languages do you support?
English, Swedish, and Spanish. We can loop in other language support if needed.
How do you handle my data?
Your data is private and used to prepare your case. We communicate by WhatsApp only if you opt in, and you can opt out at any time.