in partnership withHabeno

Garu EsteponaHabeno
Compare Spain’s best mortgage offers.

In collaboration with Garu Estepona, 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.

Standalone house by the ocean
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Garu Estepona (Inversiones Ciel S.L.), is a real estate agency directed by Roland Gillis, with more than 25 years of experience in the real estate market on the Costa del Sol. Since we established ourselves in 1995 in the town of Estepona in Malaga, we have become one of the leading real estate agencies on the Costa del Sol and we have grown considerably during all these years of activity, becoming experts in the Estepona area (Malaga) providing services in the whole of the Costa del Sol. At Garu Estepona we work with a highly qualified team of professionals. We are experts in the area and we are characterized by attentive and professional service. Through our collaboration with Habeno, you not only gain access to exceptional properties but also expert mortgage support tailored to international buyers. While Garu Estepona guides you in securing the perfect home, Habeno ensures you have the right financing solution - comparing offers from leading Spanish banks and providing personal guidance throughout the mortgage process. Together, Garu Estepona and Habeno make your journey to owning a property in Spain seamless, transparent, and tailored to your needs.

Why we partnered with Habeno

Bank comparison

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

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

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
Garu Estepona x Habeno