Buying a property in Spain is exciting, but for many international buyers, the mortgage process feels confusing and overwhelming.

In this episode of the Costa Property Podcast, Warner sits down with Peter van Dijk from Mortgage Direct, a leading mortgage broker in Spain, to cut through the noise and explain exactly what you need to know if you’re thinking of financing your dream home on the Costa del Sol.

Peter brings decades of experience in European finance and now specialises in helping foreigners secure mortgages in Spain. Whether you’re planning to invest in a holiday apartment, relocate permanently, or purchase a rental property, this conversation gives you clarity and confidence for your buying journey.

You’ll hear:

• Whether foreigners can get a mortgage in Spain (and what the banks look for)
• Typical loan-to-value ratios for non-residents
• The documents you’ll need for a smooth application
• The cash you really need upfront (including hidden costs and taxes)
• The difference between fixed, variable, and mixed mortgages in Spain
• Why working with an independent mortgage broker can save you time, stress, and money
• Common mistakes and how to avoid them

This is a must-listen if you’re planning to buy property in Spain and want to understand your financing options clearly before you start house-hunting.

Learn more about Mortgage Direct and Enquire Today: https://mortgagedirectsl.com/initial-enquiry/?utm_source=WL+Costa+Properties

Looking to buy on the Costa del Sol?

Download WL Costa Properties’ free Buyer’s Guide

Want to keep in the loop?

If you want honest, expert advice about relocating or buying property on the Costa del Sol, be sure to Follow us on Instagram or visit WL Costa Properties for insights on life in Spain

Related Episodes

• #68 What You Really Get for Your Money in Benalmádena: Prices, Property & Location Deep Dive
• #58 Three Things You MUST Do Before You Start Your Property Search in Spain

Enjoying the Podcast? Leave Us a Review!

We know life is busy, but if you’ve been loving the podcast, we’d really appreciate it if you could take just a minute to leave us a review.

Tell us:

✔️ What’s been your favorite episode?

✔️ What’s the most helpful tip you’ve learned?

✔️ What do you want to hear more about?

Every review helps us reach more people just like you who are dreaming of a new life in Spain.

Just head over to Apple Podcasts, hit the rating, and drop us a quick review.

 ✨ Tickets now available - Vision to Villa VIP Experience

Tckets are now on sale for our very first Vision to Villa VIP Experience here on the Costa del Sol.

When these limited spots are gone, they’re gone

👉 Secure your place now: https://wlcostaproperties.mykajabi.com/VIP-Day

Would you hand over half a million euros to a stranger on the street?

On the Costa del Sol, that’s exactly what many overseas buyers are doing - trusting unqualified, unregulated agents with life-changing amounts of money.

In this episode of The Costa Property Podcast, Sandra and Warner expose why Spain’s property market is sometimes compared to the Wild West - and, more importantly, how to protect yourself if you’re planning to buy.

With Warner’s 16+ years of international real estate experience in Spain, Dubai, and the UK, you’ll hear:

• Why Spain’s market is largely unregulated and what that means for buyers
• The red flags to watch for when choosing an agent
• The difference between opportunistic agents vs. true professionals
• Why working with an area specialist matters
• How to buy safely and avoid costly mistakes in the process

Planning your move to Spain?

If you want honest, expert advice about relocating or buying property on the Costa del Sol, be sure to Follow us on Instagram or visit WL Costa Properties for insights on life in Spain

Related Episodes

• #65 How a Lawyer Protects Your Spanish Property Purchase with Alex Radford
  
  
• #22 3 Common Mistakes When Buying Property in Spain (and How to Avoid Them)

Enjoying the Podcast? Leave Us a Review!

We know life is busy, but if you’ve been loving the podcast, we’d really appreciate it if you could take just a minute to leave us a review.

Tell us:

✔️ What’s been your favorite episode?

✔️ What’s the most helpful tip you’ve learned?

✔️ What do you want to hear more about?

Every review helps us reach more people just like you who are dreaming of a new life in Spain.

Just head over to Apple Podcasts, hit the rating, and drop us a quick review.

Thinking of buying a property in Spain to use as a holiday rental or investment?

Recent April 2025 legal changes could affect your plans and you might not even know it yet.

In this episode, Sandra sits down with expert property lawyer Patricia Ruiz from My Lawyer in Spain to unpack what every international buyer needs to know before signing on the dotted line. From short-term rental restrictions, tourist licence traps, to community rules- this episode is a must-listen if you're thinking about buying in Benalmádena or anywhere along the Costa del Sol.

You’ll also hear Patricia’s top legal tips for anyone feeling confused about the latest legislation including what to ask, check, and clarify before you buy.

This episode gives you the legal insights most estate agents won’t tell you upfront

You will learn:

• The real differences between short-term and long-term rentals in Spain
  
  
• What the April 2025 legislation means for holiday lets
  
  
• What to do if your community doesn’t allow tourist licences
  
  
• The legal checks every investor should do before buying
  
  
• What to consider if your short-term rental plans get blocked
  
  
• Patricia’s expert advice for buyers who feel uncertain or overwhelmed by recent law changes
  
  

Guest: Patricia Ruiz

Patricia is a respected lawyer with My Lawyer in Spain, working with international clients to navigate the legal side of Spanish property purchases. With deep experience in urban planning, title checks, and usage rights, Patricia helps ensure her clients' plans don’t fall apart post-purchase.

Visit MyLawyerinSpain.com

Planning Your Move to Spain?

If you want honest, expert advice about relocating or buying property on the Costa del Sol, be sure to Follow us on Instagram or visit WL Costa Properties for insights on life in Spain

Related Episodes

• #65 How a Lawyer Protects Your Spanish Property Purchase with Alex Radford
  
  
• #55 Buying Property in Spain? Why You Need a Spanish Will – with Lawyer Regina Martín

Enjoying the Podcast? Leave Us a Review!

We know life is busy, but if you’ve been loving the podcast, we’d really appreciate it if you could take just a minute to leave us a review.

Tell us:

✔️ What’s been your favorite episode?

✔️ What’s the most helpful tip you’ve learned?

✔️ What do you want to hear more about?

Every review helps us reach more people just like you who are dreaming of a new life in Spain.

Just head over to Apple Podcasts, hit the rating, and drop us a quick review.