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We are independent Spanish mortgage brokers, based in Spain and operating since 2002. We specialise in non-resident mortgages for clients buying property in Spain, whether from the UK, elsewhere in Europe, or further afield. Our services cover the full range of non-resident mortgage needs, including standard purchases, company purchases, construction and self-build loans, and remortgages. We offer a no-cost, no-obligation service, covering initial guidance through to full financial approval. Unlike some brokers who charge an upfront application fee, or others who charge a percentage of the loan amount, we only take a fee once you have an underwritten approval you're happy with and elect to move to valuation of a specific property. Ours is a flat fee, ranging from €1,200 to €2,500 depending on the complexity and size of the loan — so you always know the cost upfront, rather than it scaling with your loan size. Our years in the industry have given us strong bank relationships and deep experience in Spanish mortgage lending. The owner of IMS looks after all enquiries directly — we're a small, highly experienced team, and we pride ourselves on quality, personalised advice and an efficient service. All applications are submitted by Ravena Rhys Jones under Bank of Spain registration D134.
Avda Saenz de Tejada s/n Edif. Fuengirola Centro II Ofician 6-7 Fuengirola, 29640, Malaga, Spain
4.0
3 reviews
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I would like to thank the IMS team for all their help and support during my recent purchase in Spain.
The service was professional, and friendly throughout. They helped me assess my budget and ensured I was prepared with an approval in place so I could make an offer securely. Making the whole process of buying less daunting than I had anticipated
I found IMS Mortgages after becoming frustrated with trying to deal with the Spanish Banks direct. I contacted a number of brokers but found Heather at IMS the most helpful and efficient in the early stages. I very much liked the fact that all initial services, including getting a full financial approval, was free and with no obligation. So before I had to consider committing to any cost I knew exactly what I would be offered. As my loan was fairly large it made a big difference to me their fee when it did apply, was a flat fee, not a percentage of the loan amount that others had quoted me. Ravena who managed my application was great. Ravena who managed my application was great. Knowledgeable, helpful and responsive and made the whole process simple and speedy. I am so glad I found them after weeks of very painful dealings with the Banks themselves.
Reply from Imsmortgages
Dear Sylvia Thank you for taking the time to give us this feedback. I am glad we were able to help and you found our services helpful and efficient.
We recently used IMS Mortgages to arrange the mortgage for our new property in Spain, and I couldn’t recommend them highly enough.
From the very beginning, Ravena was fantastic to deal with. She was extremely helpful, professional and responsive throughout the whole process, keeping us updated at every stage and making sure everything progressed smoothly. Buying a property in Spain from Ireland can be quite a complicated process, but Ravena made the mortgage side of things feel very straightforward and was always available whenever we had questions.
Heather was also very helpful and supportive throughout the process, and we really appreciated her guidance.
We completed on our property this week and are delighted with how everything went. The service from IMS Mortgages was excellent from start to finish, and I wouldn’t hesitate to recommend Ravena, Heather and the team to anyone looking to arrange a mortgage for a property in Spain.
Thanks again to you both for all your help.
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