How it works
We compare Spains leading banks and help you find the best mortgage terms.
You only pay us if we succeed.
Spanish mortgages made easy
In partnership with
Financing options
Live full-time in Spain
Submit your mortgage application and get a pre-approval in one banking day. Upgrade to Habeno Plus and we'll negotiate the mortgage rate for you as well.
A second home
Looking to buy a holiday home in Spain? We help you to get a mortgage of up to 70% of the property's value.
Buy an off-plan home or build your own
We help you receive financing for off-plan homes from a developer and help you receive a loan for a construction or refurbishment project.
Multiple property purchase
If you have an existing mortgage in Spain, we can help you to get an investment mortgage to expand your property holdings.
Property for €1,000,000+
Aiming to buy a property for 1 million or more? Our private banking partners give you access to mortgages up to 100% of the property's value.
Take the fast track to your mortgage
- Sit back, relax and let our experts handle the process.
- Get first in the mortgage line, thanks to our partnership with the banks.
- Speed up the process - we'll handle the lawyer, notary and many more.
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Unlock the best mortgage terms
- we negotiate with 15 banks.
Costs 1% of the mortgage amount if you accept a mortgage offer.
DISCLAIMER
MBF Dreams, S.L., with CIF B67866637 and registered address in Oasis Business Centre, N340, Km 183, Marbella (Màlaga), entity number in BdE D665, is an independent financial intermediation company, whose activitiy consists of channelling financing requests formulated by their clients presenting them to potential lenders. The conditions reflected in this commercial document are indicative and in no way binding. Financial entities and other types of lenders can modify the conditions at any time and without prior notice. All operations will be signed directly with the financial entities or real estate lenders and are subject to their approval based on the profile and information provided by the client, and MBF Dreams, S.L. any responsibility for the conditions offered or the commercial or legal relationships that may be established between financial entities or real estate lenders and the client. After the approval of your loan by the financing entity, you will be provided with a FEIN with the definitive conditions offered. For more information visit our website: www.habeno.com
Spectrum International Mortgages is the collaborating mortgage broker of Monarch Estates and they have been operating in Spain for over 15 years. They arrange mortgages throughout Spain, for resident and non-resident clients, from first time purchases through to high value bespoke finance.
Christian Severinsen – Managing Partner
Christian is the managing partner of Spectrum Mortgages in Spain. He is Danish but has lived abroad for several years before settling down in Spain. He has a master’s degree in international business communication from Copenhagen Business School and he has worked in the financial services industry since 2012. As an expat himself, with first-hand experience, he understands the concerns and issues encountered when setting up a mortgage in Spain. He speaks English, Spanish and Danish and is also involved in the ongoing negotiations with Spanish banks to ensure the best deals for the clients of Spectrum Mortgages in Spain.
Their independence and market knowledge give them access to a wide range of borrowing options, from national banks to smaller regional lenders. As well as identifying the most competitive and flexible mortgages available, they tailor solutions to match individual client circumstances.
Good relationships with lenders allow them to offer cost discounts, repayment flexibility and negotiated terms which aren’t available elsewhere in the market.
If you are interested in hearing more, please fill in the necessary information in the below widget and they will get back to you with feedback on your situation as soon as possible.
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