GF MORTGAGE SOLUTIONS · MORTGAGE BROKERAGE
One goal: looking after your interests. %
FREE INITIAL ASSESSMENT · THROUGHOUT SPAIN
Select a step to explore.
We look at what you want to buy, your savings and a payment that fits your income.
We look for financing and negotiate with lenders so you can compare their proposals.
We explain which documents you need and guide you through to signing.
FINANCING
We specialise in first homes for residents and purchases by non-residents.
First home: up to 100% of the purchase price.
For some applicants, we can explore borrowing the full purchase price of a first home. We review your income, savings and debt. Approval is up to the lender. Taxes and purchase costs are calculated separately.
Up to 70% of the purchase price.
Mortgages for non-residents in Spain: we review where you earn your income and the funds you need to contribute. The lender determines the loan amount based on your profile and the valuation.
Financing based on your profile and each lender’s criteria.
If you have moved your tax residence to Spain and opted for the special inbound taxpayer regime, we review with the lender how you can document your income. The tax regime does not set a mortgage limit.
Financing with the whole project in view.
We review the purchase, renovation and intended sale to seek financing with your project’s capital needs and timing in mind.
See how financing fits your investment.
We bring together the purchase, renovation and expected rent to assess your contribution and how the repayment would fit your project.
Business premises: we assess requests for up to 90% of the purchase price.
We review the premises, your business and the security you can provide. Reaching this percentage depends on the lender’s assessment and approval.
THE PROCESS
A mortgage has many moving parts. We bring them together so you understand your options and what comes next.
BEFORE TAKING THE NEXT STEP
Explore how your contribution and repayments change with the loan amount and term.
Open the calculatorLoan Financing needed
Savings Deposit towards the price
The price, your savings and the loan form your budget. Set aside funds for taxes and costs too.
With a constant payment, the share of principal and interest changes over the loan term.
The outstanding balance falls with each payment. Comparing terms also means comparing total interest.
Schematic charts explaining the purchase, repayment and term. They do not represent an offer or a specific calculation. Enter your amounts and the interest rate you wish to compare in the calculator.
ABOUT GF
Founder of GF MORTGAGE SOLUTIONS
I’m Alejandro Gil Fernández, a mortgage broker. When we first speak, I want to understand what kind of home you have in mind and what monthly payment you would feel comfortable with. Together we look at how much you can put towards the purchase and what savings to set aside for costs.
Based in Estepona on the Costa del Sol, I work as a mortgage broker with residents and non-residents buying a home in Spain. I prepare your application, submit it to lenders and negotiate terms. We review the proposals together: monthly payments, costs and conditions.
You’ll deal with me throughout the process. If a lender asks for another document or something needs attention before signing, I’ll explain why it matters and what comes next. For me, looking after your interests starts with making sure you have the information you need to decide.
I was born in Madrid, but fell in love with Estepona over the summers I spent there as a child. In time I decided to settle in the place I always wanted to return to. This is where I founded GF Mortgage Solutions.
Let’s talk about your purchaseWe review your circumstances and buying options. If you decide to use our mortgage brokerage service, we explain its scope, terms and fees before you commit.
See the processNo. Our fees become payable when we deliver a FEIN or equivalent binding offer that meets the conditions agreed in your contract. This may happen before you sign the mortgage.
Yes. We can assess your budget before you choose a property.
Explore my optionsTo get started, tell us about your plans and how to reach you. Alejandro will explain which documents are needed and how to send them.
Financing percentages are indicative and depend on your circumstances and the lender’s approval. Taxes and purchase costs are calculated separately.
View financing optionsYes. We assess purchases by non-residents, with financing of up to 70% of the price, subject to assessment and approval.
Information for non-residentsWhen we assess your application, we check the eligibility criteria, geographical coverage, validity and availability of guarantee schemes.
We coordinate the valuation where appropriate. This does not mean the valuation fee is included. We explain the terms before you commit.
