Sustainable income
We distinguish turnover, profit, salary, dividends and exceptional movements to identify the income that can be supported with evidence.
Self-employed mortgages · Spain
No payslip. Still a financeable profile.
We turn tax returns, business performance and personal cash flow into a coherent application for Spanish lenders that understand self-employed income.
No initial assessment fee · Remote support · Bank of Spain register E760
Straight answer
What you need to know
A self-employed person or company owner can get a mortgage in Spain when sustainable income, savings, debts and business continuity are properly evidenced. Lenders may review tax returns, business and personal bank statements, trading history, recurring clients, margins and the relationship between company profit and personal income. RCG Finance prepares that evidence and approaches lenders whose criteria fit the profile.
Last reviewed: · Rafael, founder of RCG Finance and former debt and M&A advisor at KPMG and PwC · mortgage intermediary registered with the Bank of Spain (E760).
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.
Business context
Seasonality, investment periods, client concentration or a change in structure are explained instead of leaving an underwriter to guess.
Suitable lenders
We prioritise lenders whose criteria make sense for the trading history, business structure, residence and proposed property purchase.
Your case
The lender needs continuity, not one attractive number.
Two applicants with the same turnover can have very different mortgage capacity. Declared profit, recurring costs, personal commitments and consistency across financial years all influence the assessment.
If you trade through a limited company, the lender may review your salary or dividends alongside company accounts, ownership and retained profit. Cash held by the company is not automatically treated as personal mortgage income.
Preparing the file before reserving a property helps define a realistic budget, identify missing evidence and avoid poorly targeted applications that consume valuable time.
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Useful next steps
Frequently asked questions
Before you apply
How long do I need to have been self-employed?
There is no universal minimum. A longer record makes stability easier to evidence, but some lenders can assess a newer activity when professional continuity, contracts, savings and current performance are strong.
Does the bank use turnover or profit?
Turnover provides context, but affordability usually relies on verified, recurring net income after business costs and tax. Personal debts and commitments are assessed as well.
Can I apply if I own a limited company?
Yes. The lender may combine your personal remuneration with a review of company accounts, tax, ownership and cash movements. Salary, dividends and retained profit are interpreted differently.
Can foreign self-employed income be used?
It can, subject to lender criteria. Country, currency, tax system, document language and company structure add complexity, so the lender shortlist and evidence should be confirmed early.
Does RCG Finance guarantee approval?
No. The lender makes the final decision. Our initial review identifies viability, risks and suitable routes but cannot promise approval, a rate or a loan percentage.
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.