Mortgage Broker in Málaga – New Property Mortgages
Buying a property in Málaga can be a great opportunity, but securing the right mortgage requires experience, negotiation and a strong understanding of the Spanish banking market. At New Property Mortgages, we help you find the financing solution that best fits your profile, whether you live in Spain or are buying from abroad.
- Personalised mortgage advice
- Access to more than 30 Spanish banks
- Up to 70% financing for non-residents
- Clear, remote and efficient process
A comprehensive service for buying property on the Costa del Sol
Málaga has become one of the preferred destinations for both living and investing in second homes. Its Mediterranean climate, modern infrastructure and wide cultural scene make the province an attractive location for national and international buyers.
However, obtaining a mortgage can be a complex process, especially for those seeking favourable conditions or who do not reside in Spain. New Property Mortgages presents itself as your strategic partner: a mortgage broker based in Málaga that operates throughout Spain and offers a personalised service for clients in Málaga and the Costa del Sol.
Experience and certification
The company is led by Gorka Etxeberria, a mortgage adviser regulated by the Bank of Spain. Gorka holds a university degree in Business Administration and Management and a master’s degree in Finance, Banking and Insurance.
After working in the mortgage departments of BBVA and CaixaBank, as well as advising international clients in Marbella, he understands both banking policies and the needs of foreign buyers. Over the last year, he has completed 48 mortgage transactions, demonstrating both efficiency and experience.
Why choose New Property Mortgages?
Access to more than 30 banks
We work with a network of Spanish financial institutions to compare offers and negotiate competitive conditions.
Up to 70% financing
Non-residents can obtain financing of up to 70% of the property value, with repayment terms adapted to their needs.
Fast pre-approval
Through our digital tool, you can obtain pre-approval in less than 60 seconds and immediately know your borrowing capacity.
100% remote process
If you live outside Spain, the entire procedure can be carried out remotely, from document collection to signing.
No upfront fees
You only pay if you accept the bank’s offer. We work with transparency and without hidden costs.
Multilingual advice
Assistance is available in Spanish and English, tailored to different types of clients.
Financial and mortgage services in Málaga
New Property Mortgages does not only act as an intermediary between the client and the bank. Its team prepares a personalised financial study that takes into account your income, savings, age and type of property.
This helps determine whether you may qualify for a 100%, 90% or 80% mortgage, as well as whether a fixed, variable or mixed mortgage would be the most suitable option. This financial and mortgage advisory service in Málaga enables buyers to make informed decisions and optimise the total cost of their loan.
In addition, the company manages procedures with notaries, land registries and valuers so that the buyer does not have to worry about bureaucracy. Thanks to its presence in Marbella and its knowledge of the Málaga property market, New Property Mortgages negotiates with local and national banks to secure conditions adapted to the prices and characteristics of the Costa del Sol.
Advice for non-residents
Málaga attracts many foreign buyers who wish to enjoy the sunshine and Andalusian lifestyle. For them, New Property Mortgages offers specific guidance on mortgages for non-residents in Málaga.
The team explains the legal requirements, such as obtaining an NIE and opening a bank account in Spain; the necessary documentation, including income statements and bank certificates; and the applicable taxes, such as Property Transfer Tax, notary fees and land registry costs.
Unlike many companies that only operate nationally, New Property Mortgages manages the mortgage process entirely remotely and in the client’s language.
Tips to optimise your mortgage in Málaga
Plan your budget
Before starting your search, calculate your available income and savings. Use the New Property Mortgages mortgage calculator to estimate your monthly payment and avoid surprises.
Compare interest rates
Assess whether a fixed-rate mortgage, with stable payments, or a variable-rate mortgage, with payments that may change according to Euribor, is more suitable for you. A mortgage broker will help you choose the most advantageous option.
Negotiate with several banks
Thanks to its network of more than 30 banks, New Property Mortgages can secure competitive offers and adjust repayment terms to your profile.
Review all associated costs
In addition to the purchase price, consider taxes, valuation costs, insurance and arrangement fees. A financial adviser can help you calculate the total cost and reduce unnecessary expenses.
Conclusion
The Málaga property market offers great opportunities, but obtaining the right mortgage requires knowledge and careful negotiation. New Property Mortgages positions itself as your trusted mortgage broker and financial adviser in Málaga, combining banking experience, digital tools and personalised support for both residents and non-residents.
If you are thinking of buying a property on the Costa del Sol, this service will help you simplify the process, save money and secure conditions adapted to your needs.
Calculate your mortgage in Spain in less than 60 seconds
Discover your borrowing capacity, estimate your monthly payment and take the first step towards buying your property in Málaga or anywhere in Spain.
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