Real Estate Financing in Mallorca

You already have your dream home or holiday apartment in Mallorca in sight – but how does the financing work? Don’t worry: at ¡TODO! Mallorca Real Estate, you’re not on your own. As your personal local partner, we support you from the very first financing consultation all the way to signing the contract with our partner bank. Let’s be honest: bureaucracy isn’t sexy – but with us, it becomes manageable.

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Financing with ¡TODO! Mallorca Real Estate – personal, straightforward, fair

Anyone looking to finance a property in Mallorca needs a strong partner who knows both the island and the banks. That’s exactly where we come in. We make sure you find the right financing solution – transparent, easy to understand, and tailored to your personal situation.

What you get:

Personal support on site: We accompany you to meetings with the bank.
Direct access to our partner bank in Mallorca: No language barriers, no paperwork chaos.
Individual financing solutions: Whether it’s a main residence, second home, or investment property.
All-round service: From the initial calculation to the final loan signing.

And best of all: we combine this with our service “Help with buying property in Mallorca” – so you get everything from a single source.

Why real estate financing in Mallorca is different

Spanish banks work a little differently from German ones – especially when it comes to financing for non-residents. That’s why it helps to have someone by your side who knows which documents really matter, how interest rates are calculated, and where you can avoid paying too much.

We know exactly what to look out for – and guide you through the process so you don’t drown in translations, forms, or financial jargon.

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How real estate financing works

Initial consultation & needs assessment – Together, we clarify your plans and define a realistic budget.
Financing check – Our partner bank reviews which terms and conditions are available to you.
Documents & application – We help you prepare everything completely and correctly.
Bank meeting – We go with you. You’re never on your own.
Contract signing & notary appointment – Then it’s time to sign, hand over the keys, and you’re done.

FAQ – Frequently asked questions about real estate financing in Mallorca

Can I finance a property in Mallorca as a German citizen?

Yes, absolutely! Many banks in Mallorca also provide financing for non-residents. The terms depend on your income, equity, and the type of property – we explain everything step by step.

How much equity do I need?

As a rule, banks require between 30–40% equity. We help you find the financing model that best suits your situation.

Are there any differences between Spanish and British banks?

Yes – especially when it comes to terms, interest rates and property valuation. We will show you which solution makes the most sense for you.

How long does the entire process take?

From the initial consultation to the loan approval, you can expect it to take around 4–8 weeks. With ¡TODO! Mallorca Real Estate, it usually goes faster because we have a direct line to the bank.

Do you also assist me with the property purchase itself?

Of course! With our “Help with buying property” service, we guide you through the entire purchase process – including financing.