Cash requirement
We separate the deposit from taxes and transaction costs so the purchase is tested against the cash actually available.
Mortgage broker · Cambrils
Finance your Cambrils property with the full cost in view.
We help residents and international buyers prepare a mortgage application for Cambrils and compare lender terms beyond the advertised interest rate.
No initial assessment fee · Remote support · Bank of Spain register E760
Straight answer
What you need to know
A mortgage broker for a Cambrils purchase reviews affordability, liquidity, property use and residence status before comparing Spanish lenders. This is particularly useful for second homes and non-resident buyers, where loan-to-value and documentation can be more conservative.
How we help
A clearer route to a Spanish mortgage.
We prepare one coherent case, compare viable lenders and explain conditions in plain English before you make a decision.
Residency-aware strategy
A resident main home, non-resident holiday home and investment property are assessed differently. We structure the case accordingly.
Total-cost comparison
We compare interest, fees, insurance, linked products and term rather than choosing a loan from one headline number.
Your case
Second-home finance deserves its own calculation.
Cambrils attracts main-home, holiday-home and investment purchases. The intended use changes affordability and lender appetite, while the valuation and property characteristics affect the maximum loan.
If your income is earned outside Spain, the bank will also review currency, country risk and documentation. Preparing this early is more useful than sending an incomplete file to several lenders.
Our base in Salou is close to Cambrils, but the initial work can be completed remotely. We coordinate the mortgage timeline with the purchase and flag when specialist legal or tax advice is needed.
Frequently asked questions
Before you apply
Can I finance a holiday home in Cambrils?
Yes, subject to lender approval. Expect the bank to assess the case as a second home and, if you live abroad, as a non-resident application.
How much cash should I prepare?
You need the part of the price not financed plus purchase taxes and transaction costs. The exact amount depends on the property, valuation, region and lender.
Can you work with my lawyer or property agent?
Yes. We can coordinate financing milestones and documentation, while each professional remains responsible for their own legal, tax or property advice.
Is the initial study free?
Yes. We first assess viability without an initial fee or obligation.
Who we are
RCG Finance, in one paragraph.
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 prepare mortgage applications in English and Spanish for buyers anywhere in Spain, compare lenders and negotiate on your behalf. We do not lend, we are not tied to any bank or exclusive to any, and we only charge if we get your mortgage.
Guides and service pages are reviewed by Rafael, founder of RCG Finance (former debt and M&A advisor at KPMG and PwC).
RCG Finance (rcgfinance.es) is a Spanish mortgage broker and has no connection with other companies that use the RCG initials.
Your mortgage, properly prepared
Start with the numbers, not with a bank.
Tell us where you live, what you plan to buy and how much cash you can contribute. We will review the case and explain the realistic next steps.