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why choose us?

Mortgages in Spain

 We are a mortgage specialised company, authorised by the Bank of Spain. With over 30 years of experience, we make the mortgage process in Spain much simpler, convenient and secure. 

  • Why choose us?

    Find out why you should trust UCI. More than 30 years of experience Personalized offer, according to your needs Easy, convenient and secure

  • How can we help you?

    As mortgage experts, we offer you the mortgage that best suits you. Whether you want to build your house from scratch or renovate it, we have the mortgage for you. 

  • Calculate your mortgage

    Use our online mortgage calculator and discover the maximum cost you can afford when buying a house, how much we can lend you and the down payment. 

Choose the type of mortgage that best suits you



Fixed rate for the first 3, 5 or 10 years. Variable for the rest of the mortgage, being the interest rate based on the benchmark index.

Same interest rate


Same monthly payments throughout the life of the mortgage. Up to 30 years, without depending on the benchmark index.

Fluctuates over time


Fixed rate for the first year. The rest of the mortgage payments will be variable, fluctuating as the benchmark index changes.

Your mortgage in Spain step by step

  • Use our mortgage calculator and find out how much we could lend you, the cost of the house you could afford and the down payment your would need.
  • Complete the application form and we will contact you by email or phone to deal with your request
  • We need you to share with us some basic information and documentation to make a first assessment of the viability of your mortgage. Please check the specifications for each country.
  • Our experts will review your documentation and offer you the mortgage that best suits your needs.
  • A certified surveyor will visit and valuate the property. Once the valuation is correct, we will be able to make a formal offer.
  • With the notary as a witness, you will sign the mortgage deed and the purchase deed.

Reasons to buy a house in Spain

Michelin-starred restaurants
Properties inscribed on the World Heritage List
Days of sun per year
Blue flag beaches
Biosphere Reserves

Not a resident?

Learn everything you need to know about buying a home in Spain as a non-resident and how we can help you through the whole process. 

Any questions? Contact us and we will answer them