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!

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Tell us:

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✔️ What do you want to hear more about?

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 ✨ 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.

Have you ever wondered, Is this it?

Maybe the kids are grown, your career has shifted, or you’ve simply outgrown the version of life you’re living. But what does it really take to start over in midlife... and how do you know where to begin?

In this episode, Sandra speaks with coach and expat Emma Thorne Lees, who supports women navigating identity shifts, burnout, and life transitions - whether that means moving to Spain, changing careers, or reclaiming space for yourself.

Together, they explore what it means to reinvent yourself in midlife.

They explore:

• Emma’s story of burnout and starting over now living in Spain after moves to Australia and Costa Rica
• Why midlife often brings a call for reinvention (and how to tune into it)
• The powerful question to ask before any big life change
• The mindset traps that keep women stuck and how to move through them with self-compassion
• Emma’s 4-phase coaching process and how the Japanese concept of konenki reframes midlife as a time of renewal
  
  

Whether you're thinking of relocating, redefining success, or just asking is this what you really want - this episode is your starting point.

Connect with Emma:

• Website: emmathornelees.com
• Instagram: https://www.instagram.com/emmabreakthroughcoach
• Facebook: www.facebook.com/EmmaThorneLees
• LinkedIn: https://www.linkedin.com/in/emmathornelees

Blog post mentioned: https://emmathornelees.com/konenki-an-empowered-approach-to-menopause/

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

• #11 How To Overcome The Fear Of Moving Abroad With Best Selling Mindset Authors & Ted-X Speakers Donna & Cheryl
• #49 How to Mentally Prepare for Moving to Spain: 5 Key Mindset Shifts That Will Make or Break Your Experience

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.

Buying a property in Spain as a foreigner?

It’s the question we get from nearly every client.

In this episode, Sandra is joined by Elena from Martínez-Echevarria, one of the top-ranked legal firms on the Costa del Sol, to reveal the risks buyers face when they try to navigate Spain’s property system alone.

If you're planning to buy in Spain, especially as a foreigner unfamiliar with Spanish law, language, or property practices - this conversation could save you time, stress, and thousands in legal headaches.

Here’s exactly what is covered:

• Do you legally need a lawyer to buy property in Spain or is it just a recommendation?
• What does a Spanish property lawyer actually do behind the scenes?
• Why are foreign buyers more exposed to hidden risks than locals?
• How a Lawyer supports with the reservation contract
• What’s your #1 piece of advice for someone just starting the buying journey in Spain?

If you want to move forward with clarity, legal protection, and zero nasty surprises - this episode is your starting point.

Resources mentioned in this episode:

– Martínez-Echevarria Legal Firm - full-service property law, immigration & taxation

-Book a property consultation call with WL Costa Properties

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!

What’s actually going on in Benalmádena in summer when the heat is on and the beach is packed?

In this episode, we’re lifting the lid on what daily life is really like in July and August on the Costa del Sol. From the rhythm shift that happens across Spain, to why property tours slow down, and how locals adapt their schedules, this is the real, lived experience of a Costa summer.

Whether you’re a holidaymaker doing your “try before you buy,” a family exploring relocation, or a digital nomad figuring out if this life suits you long term, this episode gives you the honest perspective of what it’s like to live here when the heat is on!

In this episode, we talk about:

• Hot cars, moped hacks, and burnt arses - our own survival strategies for surviving the heat!
• Daily life in August and what no one tells you about!
• Why August is not the time to view properties
• Why everything slows down after 2pm and what summer really means in daily life on the Costa Del Sol
• Our favourite family-friendly things to do in Benalmádena in August from ferias to markets

Mentioned in this episode:

• Watch our Benalmádena Area Guide on YouTube: WL Costa Properties Channel
• 💌 Get our monthly Costa Digest Newsletter full of local tips and insider insights: Sign up here

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

• #6 The Real Story Behind Fiestas, Ferias, and Bullfighting in Spain with Pablo
• #51 Home on the Costa: How 2 Women Made Spain Their Dream Life (And How You Can Too)

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 trading grey skies for Spanish sun but not sure how to make remote work work?

This one’s for you.

In this episode, we’re joined by Maya Middlemiss, a true pioneer of remote-first life and founder of Remote Work Europe. Maya has helped individuals, global teams, and companies rethink the way they work - long before remote work was trendy.

Maya has worked across every facet of remote-first work from launching startups, inspiring audiences, guiding teams, freelancing globally, and consulting with leaders!

Now living in Valencia, she shares honest, actionable advice for anyone hoping to relocate to Spain and earn a living remotely.

What we cover in this episode:

• Why getting hired remotely is competitive and what makes you stand out
• How your LinkedIn profile and digital footprint matter more than ever
• Maya's top insights freelancers and remote employees need to know about red tape
• Building a community as a remote worker and why it matters
• Why free advice on Facebook can be costly, and when to pay for the right guidance

Whether you’re six months from moving or already in Spain figuring it out on the fly, this episode will help you take your next step with clarity.

Resources mentioned in this episode:

🌍 Check out Maya’s community: Remote Work Europe

Connect with Maya on Linkedin

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

• #61 How to Land Your Dream Job in Spain: Insider Tips from A Recruitment Expert [That You Won’t Find Anywhere Else]
• #54 The Most Underrated Town on the Costa del Sol? Why We Chose Benalmádena

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.

What makes someone leave the heart of Málaga’s historic centre for Benalmádena?

That’s the question we explore in this week’s episode of The Costa Property Podcast, where Sandra sits down with cultural expert and long-time Spain resident, Hanni Martini.

After a decade of vibrant city life, Hanni made the leap to a new home in Benalmadena on the Costa del Sol.

But why? And was it worth it?

In this episode, Hanni opens up about the move that surprised her own followers, the hidden charm of Benalmádena and Arroyo de la Miel, and the outdated stigma many people still hold about this part of the coast.

You’ll hear:

• Why Hanni left Málaga city after 10 years
• Her honest thoughts on Benalmádena (before and after moving)
• How Arroyo de la Miel feels like an authentic pueblo
• The train line, the amenities, and the hidden magic of Benalmaden
• What Hanni means when she says “I stand corrected.”

Curious About Benalmadena?

If this episode sparked your interest in Benalmádena as a place to live or invest on the Costa del Sol - you're not alone. It’s fast becoming a hidden favourite for buyers.

At WL Costa Properties, we’re here to guide you with zero pressure and deep local knowledge.

→ Book a no-pressure call with Warner to explore what’s possible: :https://calendly.com/warner-0tu/property-advice?month=2025-07

→ Follow us Instagram @wlcostaproperties

Connect With Hanni Martini

Follow Hanni Martini on Instagram: https://www.instagram.com/hannimartiniii

Related Episodes

• #67 Live Like a Local: Spanish Food, Culture & Real Costa del Sol Life with Hanni Martini
• #54 The Most Underrated Town on the Costa del Sol? Why We Chose Benalmádena
  
  

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.