Your trusted mortgage broker for buying a home in Spain
One application. Multiple offers. Full support throughout.
Santiago Payo Abogados has partnered with Habeno to help you negotiate the best mortgage offers with leading Spanish banks. With personal advice throughout the entire process, Habeno ensures a smooth and secure journey from application to completion.
- Loan details
- Personal info
- Partner & consent
From a firm commitment to excellence and thanks to a solid and experienced team, Santiago Payo Abogados offers a comprehensive legal service to companies and individuals and provides customized solutions according to the needs of each client. The combination of our comprehensive knowledge of the law and a business approach is a perfect complement to any negotiation. Through our strategic collaboration with Habeno, you gain access to comprehensive legal protection paired with expert mortgage support tailored specifically for international buyers. While Santiago Payo Abogados manages the due diligence and conveys your purchase to ensure a secure transaction, Habeno ensures you have the optimal financing solution - comparing offers from leading Spanish banks and providing personal guidance throughout the mortgage process. Together, Santiago Payo Abogados and Habeno ensure the legal and financial aspects of your property acquisition are seamless, transparent, and fully compliant.
Handled by experts. Trusted by agents.
Buying a property in Spain is exciting – and financing doesn’t have to be complicated. With Habeno, one application gives you access to multiple Spanish banks and mortgage offers. An independent mortgage advisor specialised in international buyers guides you personally through the entire process to secure the best possible mortgage in Spain.
Bank comparison
With Habeno, one application gives you access to mortgage offers from multiple leading Spanish banks - enabling transparent comparison and stronger negotiating leverage on your behalf.
Expert advisors
Buying property in Spain involves several parties — banks, lawyers, notaries, and appraisers. Habeno’s senior advisors coordinate the entire mortgage process, ensuring a smooth, secure, and fully guided experience from start to finish.
Tailored financing
Every buyer´s journey is unique. Habeno provides personalized mortgage solutions tailored to your financial situation, ensuring the right structure, clear terms, and confidence throughout your property purchase.
What our clients say
Real experiences from clients who used Habeno to finance their home in Spain.
How it works
1. Get a pre-approval
Instant digital pre-approval so you can move forward quickly.
- Pre-approval in 24 hours.
- Loan offer within 1–2 weeks
- Full approval in ~6-8 weeks
2. Upload your documents
Your advisor helps prepare and submit your full application.
- Collect documents
- Verify information
- Submit to multiple banks
3. Review your offers
Compare all mortgage offers side by side with expert guidance.
- Review all offers
- Choose the best option
- We notify the selected bank
4. Closing
We coordinate every step for a smooth, stress-free completion.
- Appraisal arranged
- Legal & FEIN handled
- Notary signing scheduled