How to Get a Mortgage in Spain (2025 Guide) — Powered by Mortgage Direct

Everything international buyers need to know to finance a Costa del Sol property the smart way

By Ralla-Katrin Zacher — 6-minute read

A bright modern marbella living room overlooking the Mediterranean with a laptop and a mortgage folder on a stone island ©2025 Jesse Naylor

Financing a home in Spain is perfectly attainable for non-residents—as long as you understand how banks assess affordability, what loan-to-value (LTV) ratios apply, the documents you’ll need, and who pays which costs at completion. After many years selling property on the Costa del Sol, Every Home Marbella’s trusted mortgage broker is <a href="https://mortgagedirectsl.com/?utm_source=everyhomemarbella.com">Mortgage Direct</a>, and we recommend working with them for their professionalism, deep expertise, and consistent ability to secure highly competitive terms for our clients. This guide distils practical advice from Mortgage Direct and shows how Every Home Marbella × Mortgage Direct coordinate your purchase so you can move from offer to completion smoothly.

Marbella Achieves Record Property Sales Again: 2024 Market Update & In-Depth Analysis

Unveiling the latest growth in Marbella’s luxury real-estate market

By Ralla-Katrin Zacher — 3-minute read

Digital art of the Marbella arch that has grown a chart arrow going upwards after another year of record property sales, infographic ©2025 Jesse Naylor

Marbella, the crown jewel of Spain’s Costa del Sol, has repeated (and even surpassed) the stellar performance it logged the previous year. DOM3, the association of high-quality-housing developers, confirms that 4,745 homes changed hands in Marbella during 2024, the second-highest annual total ever and +5 % on 2023. Across the wider “Golden Triangle” (Marbella, Estepona, Benahavís) transactions reached 8,708, posting a healthy +5.6 % year-on-year.

Exploring the Natural Beauty of the Cabopino and Artola Dunes

Discover the hidden gem of the Costa del Sol's coastal nature scenery

By Ralla-Katrin Zacher — 5-minute read

The Dunes of Artola & Cabopino seen from Cabopino Leisure Port Pier, © Jesse Naylor

The Costa del Sol is renowned for its luxurious lifestyle, stunning beaches, and vibrant culture. Yet, nestled along its eastern coastline lies a natural treasure that offers a tranquil escape from the bustling glamour of Marbella—the Dunes of Cabopino and Artola. This protected area is a testament to the region’s commitment to preserving its natural beauty, providing residents and visitors with an oasis of serenity and ecological richness.

Every Home Marbella’s Commitment to Giving Back: Supporting Last Chance Animal Rescue

Enhancing lives on the Costa del Sol through compassion and philanthropy

By Ralla-Katrin Zacher — 5-minute read

Photo of a dog at Last Chance Animal Rescue with one of its paws up, looking directly at the camera through a fence © Last Chance Animal Rescue

At Every Home Marbella, we believe that true luxury extends beyond opulent properties and lavish lifestyles—it encompasses the well-being of our community and the compassion we show towards those in need. As a leading real estate agency in Marbella, we are committed to making a positive impact on the Costa del Sol by supporting local initiatives that enrich lives and nurture our environment. One such initiative close to our hearts is Last Chance Animal Rescue, a dedicated charity based in Alhaurín el Grande that tirelessly works to rescue, rehabilitate, and rehome abandoned and mistreated animals. We are proud to align ourselves with their mission and contribute to their noble cause.

Final Chance for Spain’s Golden Visa: Secure Your Costa del Sol Investment Before It Ends

Capitalize on a unique residency pathway set to expire on April 2nd, 2025.

By Ralla-Katrin Zacher — 3-minute read

Image © Jesse Naylor - A group of people jumping to try and catch a flying Golden Visa document while they still can

Since its introduction under the 2013 “Ley de Emprendedores” (Law 14/2013), Spain’s Golden Visa has been a sought-after residency option for non-EU nationals investing €500,000 or more in Spanish real estate. This program, which has attracted thousands of international buyers drawn to Spain’s vibrant culture, Mediterranean climate, and strong property market, is now nearing its conclusion. The Spanish government has officially announced that <del>January 31, 2025</del> now April 2nd, 2025 marks the end of the Golden Visa, leaving a limited window for potential investors to secure residency under these conditions.

United Airlines Expands Commitment with Direct Flights Between Málaga and New York

Bridging luxury living between
the Costa del Sol and the Big Apple

By Ralla-Katrin Zacher — 6-minute read

Image © Jesse Naylor - An improved connection between NY and AGP: The Statue of Liberty visiting the Costa del Sol, carrying a map and holding up a smartphone

In a significant enhancement of transatlantic connectivity, United Airlines launched on June 2, 2023 a new, non-stop service between Málaga Airport and its hub at New York/Newark Liberty International Airport. After operating this route for several months, the airline reported overwhelming positive response on both sides of the Atlantic. This success led United to consider increasing the frequency of flights and potentially extending the seasonal service to a year-round operation. In summer 2024 they scaled the initial 3 flights per week to one every day, achieving an occupancy rate of over 90%. This development not only signifies United’s strengthened commitment to the Málaga-New York route but also opens up exciting opportunities for Americans considering investing in the luxurious real estate of the Costa del Sol. At Every Home Marbella, we recognize the profound impact this enhanced connectivity has on our esteemed clientele, making the dream of owning a property in Marbella more accessible than ever. This news is also great for existing Costa del Sol homeowners, as they gain one more direct flight connection to another of the world’s most important cities.

The Ultimate Buyer’s Guide to Purchasing Luxury Property on the Costa del Sol

Navigate your property journey with confidence and sophistication

By Ralla-Katrin Zacher — 5-minute read

Marbella's Sierra Blanca mountains seen in the reflection of the sea, photograph ©Unknown

Investing in a luxury property on the Costa del Sol is more than a purchase—it’s an entry into a world of elegance, beauty, and unparalleled lifestyle. With over 20 years of experience in Marbella’s prestigious real estate market, Every Home Marbella is your trusted partner in this exciting journey. Our extensive knowledge and exclusive access to over 20,000 properties ensure that we can find the perfect home that aligns with your desires.

Discover the Allure of the Costa del Sol: A Golfer’s Paradise and Beyond

Experience the epitome of luxury living under the Mediterranean sun

By Ralla-Katrin Zacher — 7-minute read

Alferini Golf course fairway, Villa Padierna, © Ralla Zacher

The Costa del Sol, aptly named the “Sunshine Coast,” is a jewel in southern Spain that promises more than just an escape—it’s an invitation to a life of elegance, leisure, and unparalleled beauty. With over 2,900 hours of sunshine annually, this region is a haven for those who appreciate the finer things in life, especially when it comes to world-class golf and luxurious living.

Every Home Marbella: Pioneering Excellence as a Founder Member of the Spanish Guild of Property Professionals

Embracing a new era of professionalism in Spain's luxury real estate market

By Ralla-Katrin Zacher — 4-minute read

The founding members of the Guild of Spanish Property Professionals posing for a group photo, ©2022 Unknown

In the world of luxury real estate, where elegance meets exclusivity, Every Home Marbella stands as a beacon of excellence. As a proud founder member of the Spanish Guild of Property Professionals, we are redefining standards, ensuring that every client experiences unparalleled service grounded in professionalism and integrity.

Discover Marbella: The Ultimate Area Guide to the Jewel of the Costa del Sol

Experience luxury, elegance, and the unparalleled charm of Marbella and its surroundings

By Ralla-Katrin Zacher — 6-minute read

Costabella & El Rosario Beaches, under a violet sky at sunrise © Ralla Zacher

Welcome to Marbella, the crown jewel of Spain’s Costa del Sol. Known for its golden beaches, vibrant nightlife, luxurious properties, and rich cultural heritage, Marbella offers an exquisite blend of traditional Andalusian charm and modern sophistication. This comprehensive guide invites you to explore the diverse areas that make up Marbella and its surroundings, each offering its unique allure to residents and visitors alike.