Velorix · Mortgages for foreign buyers

The foreign buyer a bank turned down is still a buyer.

We route your non-resident and international buyers to mortgage specialists who work with several banks and tell them the real financing figure for their situation, so you keep the sale.

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The problem it solves

A high-street branch says no, and your buyer goes cold.

Non-residents and buyers without a Spanish credit history often get a quick no, or a figure that does not fit their plan. Without a channel built for them, a willing buyer stops looking.

No Spanish history.

Foreign income and credit are hard for a local branch to read, so the file stalls.

The wrong number.

The buyer hears an unrealistic percentage and plans around it.

Paperwork before the bank.

An NIE and a Spanish bank account come first, and the client does not know where to start.

How it works

Three steps.

You introduce the buyer.

Send us the client and the property. You stay the agent and keep the sale.

Specialists study the profile.

Non-resident mortgage specialists in our partner network compare several banks and tell your client the real number for their situation.

Your buyer can make a real offer.

With a realistic financing figure, your client can make an offer they can complete. If they also need an NIE or a bank account, we prepare the documentation and accompany them.

What's included

What you get.

Explore Premium Agent

At a glance

Access to mortgage specialists for non-residents who compare several banks.
Up to 75% financing for the strongest qualifying profiles; for most non-residents the realistic range is 60 to 70%, and less for some non-EU buyers.
A real figure for your client's situation, with no false promises.
Help around the purchase: we prepare the documentation for the NIE and the bank account and accompany your client; the bank decides on the account.
Your client stays yours: we never prospect or cross-sell the clients you refer.

The lenders decide.Financing amounts, rates and terms are set by the lenders and depend on each client's profile. Nothing on this page is a guarantee of approval or of a specific rate. How and when you are paid for a referral is set out in the written conditions you sign with Velorix.

Who it's for

Made for how you work.

Buyer's agent

Your international buyer needs finance.

Non-resident buyers from inside and outside the EU.
International buyers without a Spanish credit history.
Clients a branch has already turned down.

Listing agent

Your listing attracts foreign buyers.

Offers that hold because the buyer's finance is realistic.
One point of contact for the finance side while you run the sale.

Anything else on your mind?

Good questions.
Clear answers.

If your question is not here, ask us directly. We answer on WhatsApp in business hours.

Let's talk it through

Can you really get a foreigner a 75% mortgage?

Up to 75% is achievable for the strongest qualifying profiles; for most non-residents the realistic range is 60 to 70%, and less for some non-EU buyers. We route your client to specialists who shop several banks and tell them the real number for their situation. No false promises.

Who gives the mortgage advice?

Independent, regulated specialists in Velorix's partner network. They study the profile and are responsible for their advice. Velorix makes the introduction and keeps you informed.

Do I have to hand the client over?

No. You make the introduction and stay the agent. We never prospect or cross-sell your client, and you keep the sale.

What if my client also needs an NIE or a bank account?

We prepare the documentation and go with your client to the appointments. The client files each application, and the bank decides on the account.

Which areas do you cover?

Our core coverage is Alicante, Elche, Málaga, Valencia and Madrid, with partners extending reach across Spain. If your client is buying elsewhere, ask us and we will tell you honestly whether we can help.

Next step

Have a buyer who needs a mortgage?
Send us the profile.

Tell us about the client and the property. We connect them with the right specialists and keep you in the loop.