100% Plus Mortgages
on bank properties

Financing your dream.
Mortgage Specialists in spain

The best mortgage solutions


Specialising in Spanish Mortgages for over 13 years and also arranging finance throughout Europe.

Get in touch today for expert advice on investment opportunities

Welcome to EMAC Website

EMAC specialises in Spanish mortgages and are fully regulated by the Bank of Spain (Inscrita en el Registro de Intermediaros del Credit Inmobiliario con el numero D395 Según Ley 5/2019 de 15 de Marza) and qualified Mortgage Advisors in Spain (ACI) and UK (Cii - Certificate in Advanced Mortgage Advice) which specialise in both the funding of residential and investment Mortgages that works with an array of different types of clients like private purchasers to corporate clients. For the last 15 years, its small team of experienced specialists has facilitated the purchase of residential properties for its clients as well as arranging re mortgages and equity release.

Based in Spain, EMAC has been specialising in Spanish Mortgages for over 15 years but also has experience of arranging finance throughout Europe, EMAC enables its clients to take advantage of exceptional finance deals and expert advice about investment opportunities of all sizes. We will search every suitable lender to find you the mortgage that best suits your circumstances, at the best rates possible

This local knowledge, combined with EMAC’s unrivalled access to some of the industry’s most attractive finance packages, puts its customers in a very privileged position, from which they can purchase and invest securely, successfully and with complete confidence. Our mortgage loans offer some of the best financial terms in Spain if not Europe - with the potential to save you thousands of Euros over the duration of the loan and significantly reduce your monthly payments.

Mortgage Calculator

When doing business in Spain or looking to set up there, one key thing to consider is how to make payments to & from Spain...

Insurance won't be the first thing on your mind when you buy your villa or apartment, but it will when things go wrong...

An extensive insurance policy in Spain is a must, even if you only have a holiday home, car or investment property in Spain...

Mortgages in Spain are calculated according to a percentage of the property valuation. This is a buildings survey...

For Spanish Mortgages, Insurance, Accountancy, Company Setup, Taxes & all other Financial Requirements in Spain

  • Related Services

    We can arrange your NIE number, solve legal issues, set up a Spanish company and more, to ensure a smooth completion with no communication problems between agent, bank, broker and lawyer.
  • Accountancy

    We can provide the peace of mind of knowing that all your tax liabilities and obligations in Spain are properly and professionally taken care of.

Our Testimonials

"I would recommend EMAC to anyone, their service and professionalism is second to none. We couldn’t have bought our dream home in Mar Menor without them.

Neal Cooper

“We were recommended to EMAC by a friend of ours when we were looking for a Spanish mortgage for a property in Murcia. We are so grateful for this recommendation as EMAC really put our minds at ease and made the whole buying process much easier whilst ensuring that we completed on our new apartment in quick time with excellent conditions.

Jenna Spence

“We met Tim French of EMAC whilst playing golf in Alicante and we mentioned to him that we were looking to purchase a property in Spain but didn’t know where to start. Tim put us in contacted with an agent in the area we were looking and also a Spanish lawyer. We purchased a lovely golf property earlier this year with the help of a high LTV mortgage which EMAC arranged for us.

Andrew Kerr