01
Independence
We are on your side
We are not tied to any lender and do not work exclusively for any of them. We compare several lenders and push for your conditions, not theirs.
You choose the house.
We handle the mortgage.
We present your case to several Spanish banks at once and negotiate better conditions than you would get on your own. In English, from Spain, and we only charge if we get it.
Free initial assessment, no commitment · Credit intermediary registered with the Bank of Spain (no. E760)
Call +34 623 80 33 98 or message us on WhatsApp
Lenders
We take your case to banks across the Spanish market and let them compete for it.
Brands and logos are the property of their respective owners.
Why RCG Finance
We work for you, not for the bank.
Four things you can check before you commit to anything.
02
No risk
The assessment is free
We look at your case in depth and tell you honestly what can realistically be achieved. If we do not get your mortgage, you owe us nothing.
03
One contact
We handle it from Spain
Bank, valuation, notary and insurance, coordinated here while you are abroad and explained to you in English. You skip the chasing, the waiting and the expensive mistakes.
04
After completion
We stay on it
We do not disappear on completion day. If rates move or your situation changes and there is a saving, we are the ones who tell you.
Services
Everything we can do for you.
Whatever your situation is, there is a route. Finding it is our job.
Non-resident mortgages
For buyers whose home and income are outside Spain, including EU, UK and US applicants. How it works →
Second homes and investment
Check affordability and lender criteria before you reserve a holiday home or a rental property. Read the guide →
Self-employed and complex profiles
If your income needs more explanation than a payslip, we prepare the case so the lender understands it. Self-employed mortgages →
Switching your mortgage
Already paying a Spanish mortgage? We review the total cost and compare a switch or a renegotiation. Review your mortgage →
Business and property finance
Financing structures for companies, investors and property developers in Spain. Business finance →
Purchase cost planning
Estimate the deposit, the transfer tax or VAT and the cash you need for a purchase in Catalonia, the Valencian Community or Andalusia. Use the calculator →
Deposit and savings
How much cash do you actually need?
The mortgage rarely covers the whole purchase. Spanish lenders work from the lower of the purchase price and the valuation, and the taxes and completion costs are normally not financed. For a non-resident, how much a bank will fund is decided case by case and tends to be more conservative.
We would rather give you the realistic number before you sign a reservation than after. If the purchase does not add up, we will say so on day one.
See what your case allowsUp to 80%
A common reference for lending against the lower of price or valuation.
10–15%
Orientative range for taxes and purchase costs, on top of the price.
€0
What it costs to have us check the numbers with you.
Loan-to-value depends on each lender's own risk assessment. RCG Finance does not grant loans: it negotiates them on your behalf.
Calculator
Run the numbers before you commit.
Estimate your monthly payment or your saving in seconds.
Monthly payment€1,121.40
Amount financed€224,000
Total repaid€336,419
Total interest€112,419
Indicative estimate. The real payment changes with the lender’s fees and linked products.
Review my real case
These figures are indicative. We calculate the best structure for your specific case.
How we work
Straightforward, and always someone on the phone.
1
You tell us your case
A call or a video call in your time zone. You explain your situation and the property you have in mind. No cost, no commitment.
2
We prepare and compare
We present your profile to several Spanish banks at once and compare what they offer on the same terms.
3
We get everything ready
Valuation, notary, insurance and the documents that need translation or an apostille. We coordinate it from Spain.
4
We stay with you
After completion we keep an eye on your mortgage in case it can be improved later on.
Insights
Understand it before you sign.
Clear, evidence-led guides on Spanish mortgages, with no jargon and no small print.
International buyers
How to get a mortgage in Spain as a foreigner: a practical guide
Living abroad does not prevent you from financing a Spanish property. It does change how the bank assesses the case and how much cash and documentation you should prepare.
Purchase planning
Buying property in Spain: costs beyond the purchase price
The property price and the mortgage do not describe the full cash requirement. Taxes, the unfinanced deposit and transaction costs need their own budget.
Second homes
Buying a holiday home in Spain: mortgage, deposit and costs
A holiday home is assessed alongside the housing costs you already carry. The lender will test whether the second payment remains affordable without optimistic rental income.
About us
Your Spanish mortgage, understood before it is signed.
RCG Finance is the trading name of RCG 2026 S.L., a mortgage broker registered with the Bank of Spain as a real-estate credit intermediary (no. E760) and based in Salou, Tarragona. We arrange mortgages in English and Spanish for international buyers anywhere in Spain, most of them along the Mediterranean coast, from the Costa Brava and Barcelona to Valencia, the Costa Blanca and the Costa del Sol.
Buying in another country adds distance, paperwork and unfamiliar rules. We prepare the case, identify the realistic lender routes and explain the total cost in English. Whether you are buying, investing, switching or refinancing, you deal with the same people from the first call to completion.
Our guides and service pages are reviewed by Rafael, our founder. Before founding RCG Finance he was a debt and M&A advisor at firms including KPMG and PwC, in Barcelona and Luxembourg, where he worked on more than 80 corporate finance transactions.
RCG Finance operates as a real-estate credit intermediary registered with the Bank of Spain under number E760. RCG Finance (rcgfinance.es) is a Spanish mortgage broker and has no connection with other companies that use the RCG initials.
Based in Salou, working the whole coast
Local knowledge, international communication.
Our office is in Salou, on the Costa Daurada. We support non-resident purchases along the Mediterranean coast, from the Costa Brava to the Costa del Sol, remotely and in English.
SalouMortgage broker in SalouEnglish support from our registered Costa Daurada office.→TarragonaMortgage broker in TarragonaLocal lender knowledge for purchases across the province.→CambrilsMortgage broker in CambrilsCoastal purchases, second homes and non-resident buyers.→All areasThe whole Mediterranean coastCosta Brava to Costa del Sol: prices, purchase tax and how we work.→
Common questions
Starting from outside Spain.
Can a non-resident get a mortgage in Spain?
Yes. Spanish banks lend to non-residents, but affordability, permitted loan-to-value and documentation vary by lender, country of residence, currency and income profile.
Can you help buyers based in the United States or the United Kingdom?
Yes. We can review a Spanish property purchase while you remain abroad and explain which documents will need translation or certification. The mortgage itself is granted by a Spanish lender and remains subject to its approval.
Does RCG Finance represent one bank?
No. RCG Finance is a real-estate credit intermediary. We structure your case and compare viable alternatives rather than acting as the sales channel for one lender.
Do I need to travel to Spain for the initial review?
No. The initial assessment and most document collection can be completed by video call, phone and secure digital communication.
Free initial assessment
Tell us what you want to buy in Spain.
Share your country of residence, income currency, target property and available deposit. We reply within 24 hours with the practical next step.