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.
KMS PropertyHabeno
Compare Spain’s best mortgage offers.
In collaboration with KMS Property, 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 applicationThe application is non-binding and free of charge.
At KMS Property, we assist with every element of your property search, whether it be a purchase of a new apartment in Marbella, a holiday home on San Pedro beach, a luxury villa in Benahavis, or a townhouse in Estepona, we will find you exactly what you are looking for at the keenest price. Through our collaboration with Habeno, you not only gain access to exceptional properties but also expert mortgage support tailored to international buyers. While KMS Property 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, KMS Property and Habeno make your journey to owning a property in Spain seamless, transparent, and tailored to your needs.
Why we partnered with Habeno
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