Zerodown - Mortgage financing for non-residents in Spain

Start your mortgage pre-check today

Tell us the basics, we’ll request a few essentials and a broker will give you an initial yes/no typically within 48 hours (business days).

Tell us the basics, we’ll request a few documents to verify and a broker will give you an initial yes/no typically within 48 hours.

Buying stage

Mortgage details

Profile & finances

Contact details

Fast-track (doc upload)

Buying stage

Mortgage details

Profile & finances

Contact details

Fast-track (doc upload)

Where are you in your home buying journey?

are

you

in

your

home

buying

journey?

Buying stage

Where are you in your buying stage?

This will help us tailor your next steps.

When do you plan to buy? (optional)

It's okay if you're not sure yet. Just give us your best guess.

Your mortgage details

Mortgage details

What do you need the mortgage for?

Pick one so we can match lenders and required documents.

What’s the price of the property?

Use the purchase price if buying; otherwise use the current or estimated value.

€

How much will you put down?

Not sure? Enter your best estimate, you can change this later.

10%

Property link (optional)

Paste a listing URL if you have one.

About you & your finances

Profile & finances

Spanish residency status

Your situation in Spain. If you’re unsure, choose what fits best.

Nationality

Choose the nationality shown on you passport.

Employment type

Choose your main income source. You can add details later.

Date of birth

Your age helps us to accurately profile your case.

Monthly gross income

Before tax and deductions. An approximate figure is perfect.

Currency

The currency you’re paid in, we’ll convert if needed.

Do you currently own property in Spain?

If you already own in Spain, some lenders may offer higher LTV (often 70%+), subject to affordability and lender criteria.

Other active loans?

Select all that apply, or choose None.

Credit quality

Best estimate is fine, no credit check here - we assess your profile internally.

How can we reach you?

Contact details

Full name

As it appears on your passport.

We’ll send a copy of your pre-check here.

Phone

Include your country code. WhatsApp is recommended.

Preferred contact methods

Tell us where to contact you, no calls unless you choose “Phone call.”

Anthing to add? (optional)

Tell us anything helpful - budget notes, timing, special circumstances. We’re here to help.

I confirm my details are accurate and I consent to be contacted about my mortgage pre-check.

Keep me updated with mortgage rates and buyer tips (occasional, no spam).

By continuing you agree to our Privacy Policy and Terms.

Fast-track your mortgage pre-check

your

mortgage

pre-check

Fast-track docs upload

Upload your ID and income now and we’ll give you a yes/no within 48 hours.

Passport, DNI or NIE

Clear photo or scan. PDF, JPG, or PNG.

Drop file or click to upload. Max 25 MB

Proof of income

Last 3 payslips. If self-employed latest tax return.

Drop file or click to upload. Max 25 MB

Where

are

you

in

your

home

buying

journey?

Buying stage

Where are you in your buying stage?

This will help us tailor your next steps.

When do you plan to buy? (optional)

It's okay if you're not sure yet. Just give us your best guess.

Your mortgage details

Mortgage details

What do you need the mortgage for?

Pick one so we can match lenders and required docs.

What’s the price of the property?

Use the purchase price if buying; otherwise use the current or estimated value.

€

How much will you put down?

Not sure? Enter your best estimate, you can change this later.

10%

Property link (optional)

Paste a listing URL if you have one.

About you & your finances

Profile & finances

Spanish residency status

Your situation in Spain. If unsure choose what fits best.

Nationality

Choose the nationality shown on you passport.

Employment type

Choose your main income source.

Date of birth

Your age helps us to accurately profile your case.

Monthly gross income

Before tax and deductions. An approx figure is perfect.

Currency

The currency you’re paid in, we’ll convert if needed.

Do you currently own property in Spain?

If you already own in Spain, some lenders may offer higher LTV (often 70%+), subject to affordability and lender criteria.

Other active loans?

Select all that apply, or choose None.

Credit quality

Best estimate is fine, no credit check here - we assess your profile internally.

How can we reach you?

Contact details

Full name

As it appears on your passport.

We’ll send a copy of your pre-check here.

Phone

Include your country code. WhatsApp is recommended.

Preferred contact methods

Tell us where to contact you, no calls unless you choose “Phone call.”

Anthing to add? (optional)

Tell us anything helpful - budget notes, timing, special circumstances. We’re here to help.

I confirm my details are accurate and I consent to be contacted about my mortgage pre-check.

Keep me updated with mortgage rates and buyer tips (occasional, no spam).

By continuing you agree to our Privacy Policy and Terms.

Fast-track

your

mortgage

pre-check

Fast-track docs upload

Upload your ID and income now and we’ll give you a yes/no within 48 hours.

Passport, DNI or NIE

Clear photo or scan. PDF, JPG, or PNG.

Tap to upload. Max 25 MB

Proof of income

Last 3 payslips. If self-employed latest tax return.

Tap to upload. Max 25 MB

What we need from you

For an accurate pre-check, we need;

Passport or NIE - upload on step 5

Proof of income - upload on step 5

Employment type - answer on step 3

Any existing loans - answer on step 3

No docs now? You can still submit.
We’ll send a secure upload link.

What happens next

review

your

pre-check

today.

anything

missing,

we'll

request

it.

Once

have

the

four

essentials,

you

get

yes/no

within

hours

(business

days).

yes,

prep

your

file

for

steps

with

the

broker.

no,

explain

why

steps.

You can submit this form as many times as you like, we're here to help.

If you have any questions reach out to us.

What you pay

Nothing

upfront.

Broker

fee

2-5%

the

financed

amount.

50%

bank

submit,

50%

completion.

completion

full

refund

fees

paid.

Exact

fee

agreed

before

submission.

Your data is safe

Stored securely; team-only access.

Used only for this pre-check.

Never shared without your consent.

You can request deletion at any time.

GDPR compliant. See our Privacy Policy.

Questions right now?

WhatsApp goes straight to our team.
We reply in minutes.

+34 611 888 337

Average reply: ~5 min

hello@zerodown.es

Average reply: ~24 hours