GLASSHabeno
Compare Spain’s best mortgage offers.

In collaboration with GLASS, we are delighted to help you explore financing options for your home in Spain. Buying property abroad should be exciting, not complicated and that’s where Habeno makes the difference.

We specialize in supporting international buyers with tailored mortgage solutions and work closely with leading Spanish banks to ensure you get the best conditions available. With us, you can feel confident and supported throughout the entire process.

Start your application

The application is non-binding and free of charge.

The firm GLASS, located in the heart of the Costa del Sol, Marbella, was founded by lawyer Carmina Santoyo Ruiz in 2017. Its area of influence has experienced a continuous flow of business, investment, and tourism and leisure services provided by and for foreigners of various nationalities from around the world. This has led to an increase in legal advice cases and international relations. Through our strategic collaboration with Habeno, you gain access to comprehensive legal protection paired with expert mortgage support tailored specifically for international buyers. While GLASS manages accounting, tax, legal and real estate matters, Habeno ensures you have the optimal financing solution - comparing offers from leading Spanish banks and providing personal guidance throughout the mortgage process. Together, GLASS and Habeno ensure the legal and financial aspects of your property acquisition are seamless, transparent, and fully compliant.

Why we partnered with Habeno

Bank comparison

For our clients, it’s crucial to get the best possible financing. Habeno negotiates with Spain’s leading banks, ensuring they receive competitive mortgage offers.

Expert advisors

Buying a home in Spain involves many stakeholders. Habeno’s senior advisors coordinate with banks, lawyers, notaries, and appraisers — giving our clients a smoother, more secure process.

Tailored financing

Every client has unique needs. With Habeno, we can offer tailored mortgage solutions that fit each client’s financial situation, adding real value to our service.

How it works

1. Get a pre-approval

You’ll receive an immediate mortgage pre-approval through our digital onboarding.

Pre-approval in 24 hours.

Loan offer within 1–2 weeks

Mortgage Approved in apprx. 2-3 weeks

2. Upload your documents

Your dedicated mortgage advisor will guide you through the process and help you get started.

Complete full application

Collect and verify all financial documents

Submit the credit application to the banks

3. Review your offers

We’ll show you all available mortgage offers, explain the differences, and help you choose the best fit.

Review all available offers

Select the best mortgage offer

Notify the selected bank and initiate next step

4. Closing made easy

We coordinate all parties involved to ensure your purchase is completed smoothly and without stress.

Appraisal ordered and confirmed

Legal & FEIN process managed

Notary appointment and signing date arranged