Your trusted partner for buying property in Spain
We ensure the best financing through Spanish banks, provide clear answers to all your questions, and guide you through every step of the process. With our local expertise and extensive network, we ensure you receive secure and seamless assistance – tailored to your specific needs.
Apply todayBuying a home in Spain can be difficult – with Habeno, it’s easy.
We guide you through the entire home-buying process and help you secure the best financing through a Spanish bank. At the same time, we handle communication with key parties such as real estate agents, lawyers, notaries, and others to ensure that your journey toward your dream home is smooth and secure.
Start your applicationWhy choose Habeno?
1.
A trusted & experienced partner
Buying a property in a new country can feel overwhelming. We have helped clients from over 20 countries navigate the complex and time-consuming process of purchasing a home in Spain. With our local expertise and personalized guidance, you can feel secure and make informed decisions.
2.
The right financing for you
We work with multiple Spanish banks to find the best mortgage conditions for you. With our help, you get a tailored solution that saves both time and money and perfectly suits your needs.
3.
We coordinate all parties involved
We handle communication with banks, real estate agents, notaries, and other key players. You avoid stress and can focus on what matters most – finding your dream home.
4.
Save time & money
We compare mortgages, coordinate your purchase, and optimize financing for a smooth and cost-effective process. You only pay if we find the right solution for you.
We have helped home buyers from all over the world finance their dream home in Spain.
We secure the best possible rates with leading Spanish banks
We work with the largest banks in Spain and have already helped customers from more than 20 countries secure financing for their dream homes. Since our inception, we have brokered home loans worth over 150 million euros.
Competitive Interest Rates
Fixed
2.65 - 3.15 %
Mixed
2.8 - 3.3%
For 3 years and then EURIBOR+1.1%
Variable
2.5 - 3.0%
First year and then EURIBOR+1.2%
Who can get help with their mortgage?
You who want to borrow up to 70%
Whether for a holiday home or permanent residence, you can borrow up to 70% of the property price with Spanish banks.
You who want to borrow at least €30,000
With a Spanish bank, you must borrow at least €30,000 when purchasing a property.
You who are under 75 years old
Spanish banks usually offer a repayment period of up to 25 years. Most banks require that you complete repayment before turning 75.
Article
Ryan's Spanish dream - turning vision into reality
Ryan, 39, and his wife Kate from California, both working for a big tech company, had a long-standing dream of moving to Europe.
Read more about Ryan's journeyBuying a property abroad should be just as simple and secure as at home – from financing to possession.
Free GuideCustomer Reviews
Don’t just take our word for it – let our customers tell you why they chose Habeno.
Customer feedback drives us forward. We listen and evolve to always deliver the best possible experience.
Frequently asked questions
Is Habeno a bank?
No, we are not a bank, but we help you secure the best mortgage from the banks.
When you apply for a mortgage pre-approval with us, we take your application to the banks we cooperate with and negotiate a pre-approval for you. Our long experience with the mortgage process and our great relationship with European banks enable us to negotiate loan promises with fair and secure terms.
Do I have to translate my documents into the local language?
No, you do not need to translate any documents. We assist you with certified translations and package all documentation to the bank for you.
Why should I borrow in the country where I plan to buy?
There are several reasons why you, as a buyer, should lend from a bank in the country where you want to buy a property:
Buy for More
By using the property you are buying as collateral, you can usually borrow a larger sum, than if you were to mortgage your existing property back home.
Avoid the currency risk
You avoid the currency risk because the loan is paid out in the same currency as the country you want to buy a property in.
Tax benefits
Spain applies both inheritance and wealth tax, which in most cases makes it advantageous to borrow instead of purchasing in cash.
Avoid unnecessary risks
You only mortgage the property you buy. No collateral in your home country. It is good to only mortgage what you buy.
Does Habeno perform a credit check on me if I apply for a pre-approval?
No, when you apply for a pre-approval with us, we do not perform a credit check on you. However, you will need to conduct a credit check yourself later in the process.
How do I get an NIE-number?
With Habeno Legal, you will have one of our skilled lawyers to assist you, including in the process of obtaining an NIE number. However, you do not need an NIE-number to get a free pre-approval.
NIE-number is an identification number used in Spain for foreign citizens. To be able to buy a property in Spain, you need to have an NIE-number.
