Start now or WhatsApp us for more info
Welcome to Zerodown, onboarding new cases now
Mortgage solutions for non-residents; simple, fast, reliable
Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding
Start your pre-check, no credit check, simple inputs
Limited intake each month; our calendar is open to new cases
Start now or WhatsApp us for more info
Welcome to Zerodown, onboarding new cases now
Mortgage solutions for non-residents; simple, fast, reliable
Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding
Start your pre-check, no credit check, simple inputs
Limited intake each month; our calendar is open to new cases
Start now or WhatsApp us for more info
Welcome to Zerodown, onboarding new cases now
Mortgage solutions for non-residents; simple, fast, reliable
Transparent fees: broker 2-5%; 50% at bank submission (refundable), 50% at funding
Start your pre-check, no credit check, simple inputs
Limited intake each month; our calendar is open to new cases
Mortgage financing for non-residents in Spain
Mortgage financing for non-residents in Spain
Mortgage financing for non-residents in Spain
Get introduced to a specialist broker - simple steps, fast answers.
Initial yes/no typically within 48 hours (business days) once essentials are in.
We pre-qualify your case and connect you with the right banks. Clear steps, quick updates.
Our team pre-qualifies your case and connects you with the right banks. 24-hour initial yes/no once essentials are in. Clear steps, quick updates.
€0 upfront; broker provision only at term sheet, 100% refundable.
€0
upfront;
broker
provision
upon
submission
to
banks,
100%
refundable
if
unsuccessful,
Simple
steps:
steps;
pre-check
send docs
send
docs
&
proof
48hr
yes/no
(internal),
submit
to
banks
to
banks.
Fast pre-qualification with essential info; passport/NIE, income, job, debts.
Start with a two-minute eligibility check for pre-qualification.
Start with the two-minute pre-check.
Online now
Non-resident first
International buyers are our focus. We know how Spanish banks assess and approve cases.
Non-resident first
International buyers are our focus. We know how Spanish banks assess and approve cases.
Non-resident first
International buyers are our focus. We know how Spanish banks assess and approve cases.
Fast pre-checks
Once we have passport/NIE, income, job type and debts, a broker gives an initial yes/no.
Fast pre-checks
Once we have passport/ NIE, income, job type and debts, a broker gives an initial yes/no.
Fast pre-checks
Once we have passport/NIE, income, job type and debts, a broker gives an initial yes/no.
Bank-ready docs
We help package your file so the broker can submit cleanly to banks for best results.
Bank-ready docs
We help package your file so the broker can submit cleanly to banks for best results.
Bank-ready docs
We help package your file so the broker can submit cleanly to banks for best results.
Transparent pricing
Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.
Transparent pricing
Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.
Transparent pricing
Broker fee 2-5%, paid 50% when submitted to banks (refundable), and 50% at funding.
Why buyers choose Zerodown for their mortgage
What we do
What we do
How it works
The process from start to finish
Start pre-check
Complete the pre-check form, answer short questions about the property & finances, we confirm what’s next.
Send the essentials
Passport or NIE, proof of income, employment type, and any existing debts. Secure upload available.
Initial viability in ~48 hours
Once essentials are verified, the broker gives a yes/no within 48 hours and a short checklist for next steps.
Build the case and submit
We assemble a lender-ready file with the broker, gather any remaining documents, and submit to banks.
We track lender feedback, coordinate follow-ups and valuation, compare terms, and agree the route forward together.
With the essential docs, the broker gives an initial yes/no in ~48 hours (business days), then we build a lender-ready file.
Essentials we’ll ask for
Passport or NIE; clear copy
Proof of income; recent payslips or tax returns
Income proof; recent payslips or tax returns
Employment type; employed or self-employed
Employment; employed or self-employed
Existing debts; loans and monthly payments
Debts; existing loans/monthly payments
Chat with us on WhatsApp if you have any questions.
Online now
FAQs
Your questions, answered
Quick answers about how the process works, what you pay and when, next steps, and what to expect.
What is Zerodown?
An introducer. We package your case and coordinate with a specialist mortgage broker. We are not a lender and we do not provide financial advice.
Who is this for?
International buyers, residents and non-residents, and partner agencies that want a faster path to a Spanish mortgage.
Are you a lender or a broker?
Neither. We are an introducer that prepares your file and routes it to the right specialist broker.
Can non-residents get a mortgage in Spain?
Often yes. LTV and rates depend on your profile and documents. We confirm what is realistic after a quick pre-check.
How do I start?
Use the calculator, then start a pre-check. Add your name and WhatsApp to unlock the full breakdown and next steps.
How fast is the first answer?
Typically within 48 hours on business days once the essentials are verified by the broker.
Does using your site affect my credit score?
No. There is no credit check to use the calculator or start a pre-check. Lenders may run checks later in the process.
Do you work with multiple banks and alternative lenders?
Yes. We place cases with major banks and we also work with alternative lenders who finance new build and off-plan when banks will not.
What does it cost?
Broker fee: 2–5% of the financed amount. Paid to the broker in two parts: 50% when your file is submitted to banks and 50% when funds are released on completion. The first 50% is refundable if your mortgage does not complete. Included: file checks and document preparation, bank matching and warm introductions, coordination and updates. Not included: bank and third-party charges, valuation, notary, registry and local taxes, or independent legal or tax advice.
Which areas do you cover?
Focus is the Costa del Sol. Spain-wide is possible.
What documents are needed for a pre-check?
Passport or NIE, proof of income, employment type, recent bank statements, and any existing debts. A property link helps but is not required to start.
What happens after I get an offer?
The broker coordinates valuation, final underwriting, and notary signing, and keeps everyone aligned to completion.
Can you work from a property link or listing?
Yes. Share the link in the chat and we will include it in your file.
What languages do you support?
English, Swedish, and Spanish. We can loop in other language support if needed.
How do you handle my data?
Your data is private and used to prepare your case. We communicate by WhatsApp only if you opt in, and you can opt out at any time.
What is Zerodown?
An introducer. We package your case and coordinate with a specialist mortgage broker. We are not a lender and we do not provide financial advice.
Who is this for?
International buyers, residents and non-residents, and partner agencies that want a faster path to a Spanish mortgage.
Are you a lender or a broker?
Neither. We are an introducer that prepares your file and routes it to the right specialist broker.
Can non-residents get a mortgage in Spain?
Often yes. LTV and rates depend on your profile and documents. We confirm what is realistic after a quick pre-check.
How do I start?
Use the calculator, then start a pre-check. Add your name and WhatsApp to unlock the full breakdown and next steps.
How fast is the first answer?
Typically within 48 hours on business days once the essentials are verified by the broker.
Does using your site affect my credit score?
No. There is no credit check to use the calculator or start a pre-check. Lenders may run checks later in the process.
Do you work with multiple banks and alternative lenders?
Yes. We place cases with major banks and we also work with alternative lenders who finance new build and off-plan when banks will not.
What does it cost?
Broker fee: 2–5% of the financed amount. Paid to the broker in two parts: 50% when your file is submitted to banks and 50% when funds are released on completion. The first 50% is refundable if your mortgage does not complete. Included: file checks and document preparation, bank matching and warm introductions, coordination and updates. Not included: bank and third-party charges, valuation, notary, registry and local taxes, or independent legal or tax advice.
Which areas do you cover?
Focus is the Costa del Sol. Spain-wide is possible.
What documents are needed for a pre-check?
Passport or NIE, proof of income, employment type, recent bank statements, and any existing debts. A property link helps but is not required to start.
What happens after I get an offer?
The broker coordinates valuation, final underwriting, and notary signing, and keeps everyone aligned to completion.
Can you work from a property link or listing?
Yes. Share the link in the chat and we will include it in your file.
What languages do you support?
English, Swedish, and Spanish. We can loop in other language support if needed.
How do you handle my data?
Your data is private and used to prepare your case. We communicate by WhatsApp only if you opt in, and you can opt out at any time.