Mortgage-secured Loans
Apply for a mortgage loan from €20,000 and we will send you a free no-obligation proposal.
The requirements to apply for a loan are very few:
- Apply for a minimum amount of €20,000, with no maximum.
- Have a property free of charges, or with a small outstanding mortgage, to provide as collateral.
- The property provided must be located in municipalities with a minimum of 25,000 inhabitants, or in coastal or tourist areas.
- Have sufficient solvency to meet the repayments.
Legal guarantees
We operate under Spanish Law 2/2009, offering total transparency and security in our operations and services.
All loans are recorded in the Land Registry, executed with companies registered with the Bank of Spain and signed before a notary public.
Responsible lending
We only work with prestigious financial companies regulated by the BdE or the Ministry of Consumer Affairs
Urgent loans
We respond to your request within 24 hours and formalise the loan within just a few days
Secure and confidential
All loans are formalised before a notary and your data will be handled confidentially
How to apply for financing with Barcelona Mortgage Servicing
If you have a property free of charges or with a small outstanding mortgage, you can obtain a private-capital mortgage loan
2. Approval
If the operation is viable, we will provide a detailed loan simulation, request basic documentation and, if required, send a surveyor to carry out the official appraisal of your property.
3. Signing
Your account manager will explain and send you all the pre-contractual documentation. We sign before a notary and you receive the funds on the day of signing. Easy, fast and secure.
Why choose us
The best mortgage loans on the private capital market
The most competitive interest rates
Fixed-rate loans with the most competitive interest rates on the market, and no early-repayment fees!
Regardless of default history
It does not matter if you are listed in ASNEF, RAI, BADEXCUG… Everyone deserves a second chance.
Flexibility
We adapt to your situation and offer you several options so you can choose the one that suits you best.
Online
We can handle everything by email and phone. You can even sign with a notary of your choice.
Frequently asked questions
If you have any questions, please contact us — we are here to help.
What is a mortgage-secured loan?
It is a loan granted to a natural or legal person who provides a property (flat, house, business premises or land) as collateral for repayment. It allows access to financing from €20,000 with terms of up to 20 years, outside traditional banking.
What is the minimum amount I can apply for?
The minimum amount is €20,000, with no set maximum. The lenders we work with finance up to 35% of the appraised value of your collateral.
Can I apply with ASNEF or RAI records, or without a regular income?
Yes. We study applications from individuals listed in ASNEF, RAI or BADEXCUG, and from self-employed persons without a regular salary. Alternative financing evaluates primarily the property provided as collateral, not the banking score.
What are the requirements?
Main requirements: minimum loan of €20,000; a property free of encumbrances (or with a low outstanding mortgage) as collateral; the property must be in a municipality of over 25,000 inhabitants or a coastal/tourist area; and basic solvency to meet repayments.
What are the repayment terms?
Loans have repayment terms of 1 to 20 years. Grace periods of up to 5 years can be agreed (interest only). The interest rate is fixed.
Is it safe? Is Barcelona MS regulated?
Yes. Barcelona MS is registered with the Bank of Spain Real-Estate Credit Intermediary Registry (no. D029), under Spanish Laws 2/2009 and 5/2019. All loans are signed before a notary public and recorded in the Land Registry.
How long does the process take?
Initial response within 24-48 hours. Official property appraisal in approximately 3 days. The complete process from application to notary signing can be concluded in just a few days.
Can I apply if the property already has a mortgage?
Generally the property must be free of encumbrances. When the outstanding balance is low relative to the property value, a second mortgage may be authorised or the existing one refinanced and cancelled. We assess each case individually.
What is the process once the loan is approved?
The official property appraisal is requested (approx. 3 days), conditions are reviewed and a notary date is set. You receive the funds on the day of signing. All operations are signed before a notary for maximum legal certainty.
Can I repay the loan early?
Yes, at any time. You only pay interest for the time elapsed and, on many of our loans, no early-repayment fee applies. Conditions are detailed in the contract and pre-contractual documentation.