Your Mortgage Broker in Spain for International Clients
At BlueSky Border Finance, as part of AC Advisors, we assist international clients, expatriates, and non-residents in obtaining mortgages in Spain through a swift and transparent process.
Save time and gain peace of mind
Access exclusive mortgage products and negotiate the best terms with leading Spanish banks. Compare, choose and secure your ideal loan with our brokerage expertise.
Immediate attention
Enjoy a clear, step-by-step process with no hidden costs. We guide you from quotation to completion, ensuring you understand every detail and make informed decisions.
Expert advice
Whether you are relocating, investing or purchasing a second home, our international experience will help you finance your property in Spain, regardless of where you live or what your nationality is.
Are you thinking of buying a property in Spain but don’t know where to start with the mortgage? At Bluesky Border Finance, we simplify the process for international clients, expatriates and residents. We help you get the best terms with clarity and security.
From your first consultation to the moment you receive the keys, we offer a fast and transparent service. We work with the leading Spanish banks, compare interest rates and negotiate directly. This means you won’t have to settle for standard offers. Whether you are self-employed, an investor, moving house or buying a holiday home, we have solutions for you.
Our process is simple and personalised. When you contact us, we review your finances and find the best lenders. We guide you step by step: we prepare the documents, submit your application and quickly process the bank’s requests. Your mortgage adviser is always available to help you by telephone, email or WhatsApp.
At BlueSky Border Finance, we believe that trust, experience and communication are fundamental. All the advisors on our team have specialised training, are duly registered with the Bank of England and have in-depth knowledge of cross-border finance. As part of AC Advisors, we also offer legal and tax assistance to ensure that your purchase is secure and complies with all regulations. If you are self-employed, find out about the procedures for self-employed workers in Spain to optimise your financial situation.
Transparency is our promise: you will know all fees upfront, most of which are covered by the bank, meaning our service rarely comes at an additional cost to buyers. We also offer free consultations, so you can explore your options with no obligation. Learn more about our team on our About Us page.
Whether you are a first-time buyer, looking to refinance, or simply curious to see if you qualify, Bluesky Border Finance is here to help. For information on regulations and official data, visit the Bank of Spain, see details of property transfers at Spanish Notaries, and review mortgage tax rules at the Spanish Tax Agency.
Commissions
In accordance with Spanish mortgage regulations, our brokerage service operates in full compliance with current legislation, including the Real Estate Credit Law (Law 5/2019) and the rules established by the Bank of Spain. As your mortgage broker, Bluesky Border Finance offers you:
- We guarantee complete transparency on all terms, commissions and costs before you sign anything.
- You will receive a clear comparison of offers from several banks, ensuring you get the one that best suits your needs.
- Assistance with the pre-contractual information required by law, including the FIPRE (Pre-contractual Information Sheet) and the FIPER (Personalised Information Sheet).
- We guide you step by step, from your initial estimate to signing before a notary, always complying with all legal requirements for consumer protection and transparent information.
- All our advisors are registered as required by law and comply with the strictest standards set by the Bank of England.
Our pricing policy is clear: commissions are always communicated in advance and, in most cases, are paid by the lender, so you do not pay anything extra for the service. If there is a commission, you will know in advance and it will always comply with Spanish law.
For more information about your rights, visit the Bank of Spain or consult the full text of the law (Law 5/2019).
Choosing a mortgage broker such as Bluesky Border Finance and AC Advisors provides you with an honest and expert ally in a complex market. Our independence from banks allows us to analyse dozens of offers, negotiate directly for better rates and tailor solutions to your particular circumstances. In Spain’s changing credit landscape, we keep up to date with regulations and trends to offer you truly impartial advice, so you can make decisions with complete peace of mind.
More and more buyers in Spain are turning to mortgage brokers for their expertise, transparency and time-saving benefits. Whether you are a first-time buyer or an experienced investor, our goal is not just to get you a mortgage, but the right mortgage, ensuring that your home purchase is sound, secure and perfectly suited to your needs. Trust Bluesky Border Finance and AC Advisors to simplify the process and help you confidently fulfil your dream of owning a home in Spain.